Telecommunications regulation, mobile money innovations and financial inclusion

IF 2 Q2 BUSINESS, FINANCE

Journal of Financial Regulation and Compliance Pub Date : 2023-04-28 DOI:10.1108/jfrc-01-2023-0003

Simplice Asongu

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引用次数: 0

Abstract

Purpose This study aims to assess how corporate telecommunication (telecom) policies follow telecom sector regulation in mobile money innovation for financial inclusion in developing countries. Design/methodology/approach Telecom policies are understood in terms of mobile subscriptions, mobile connectivity coverage and mobile connectivity performance, whereas mobile money innovations represent mobile money accounts, the mobile used to send money and the mobile used to receive money. The empirical evidence is based on Tobit regressions. Findings Telecom sector regulation positively influences mobile money innovations. From net influences, mobile subscriptions and connectivity policies moderate telecom sector regulation to positively influence mobile money innovations, exclusively within the remit of mobile money accounts because the corresponding net influences on the mobile used to send money and the mobile used to receive money are negative. The interactive influences are consistently negative, and hence, thresholds for complementary policies are provided to maintain the positive influence of telecom sector regulation on mobile money innovations. Originality/value This study has complemented the extant literature by assessing how corporate telecommunication policies follow telecommunication sector regulation in mobile money innovations for financial inclusion.

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电信监管、移动货币创新和普惠金融

本研究旨在评估发展中国家的企业电信(电信)政策如何遵循电信部门对移动货币创新的监管，以实现金融普惠。电信政策是根据移动订阅、移动连接覆盖范围和移动连接性能来理解的，而移动货币创新则代表移动货币账户，用于发送资金和接收资金的手机。经验证据是基于Tobit回归。发现电信行业监管对移动支付创新具有积极影响。从净影响来看，移动订阅和连接政策缓和了电信部门的监管，对移动货币创新产生了积极影响，仅在移动货币账户的范围内，因为对用于发送资金的手机和用于接收资金的手机的相应净影响是负面的。互动影响始终是负面的，因此，提供了补充政策的阈值，以保持电信部门监管对移动货币创新的积极影响。独创性/价值本研究通过评估企业电信政策如何遵循电信部门对普惠金融移动货币创新的监管，对现有文献进行了补充。

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来源期刊

Journal of Financial Regulation and Compliance BUSINESS, FINANCE-

CiteScore

2.60

自引率

11.10%

发文量

期刊介绍： Since its inception in 1992, the Journal of Financial Regulation and Compliance has provided an authoritative and scholarly platform for international research in financial regulation and compliance. The journal is at the intersection between academic research and the practice of financial regulation, with distinguished past authors including senior regulators, central bankers and even a Prime Minister. Financial crises, predatory practices, internationalization and integration, the increased use of technology and financial innovation are just some of the changes and issues that contemporary financial regulators are grappling with. These challenges and changes hold profound implications for regulation and compliance, ranging from macro-prudential to consumer protection policies. The journal seeks to illuminate these issues, is pluralistic in approach and invites scholarly papers using any appropriate methodology. Accordingly, the journal welcomes submissions from finance, law, economics and interdisciplinary perspectives. A broad spectrum of research styles, sources of information and topics (e.g. banking laws and regulations, stock market and cross border regulation, risk assessment and management, training and competence, competition law, case law, compliance and regulatory updates and guidelines) are appropriate. All submissions are double-blind refereed and judged on academic rigour, originality, quality of exposition and relevance to policy and practice. Once accepted, individual articles are typeset, proofed and published online as the Version of Record within an average of 32 days, so that articles can be downloaded and cited earlier.