Mobile money innovations, income inequality and gender inclusion in sub-Saharan Africa

IF 6.9 1区经济学 Q1 BUSINESS, FINANCE

Financial Innovation Pub Date : 2024-01-06 DOI:10.1186/s40854-023-00553-8

Simplice A. Asongu, Peter Agyemang-Mintah, Joseph Nnanna, Yolande E. Ngoungou

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Abstract

This study assesses the role of mobile money innovations on income inequality and gender inclusion in 42 sub-Saharan African countries from 1980 to 2019 using interactive quantile regressions. It finds that, first, income inequality unconditionally reduces the involvement of women in business and politics. Second, mobile money innovations interact with income inequality to have a positive impact on women in business and politics. Third, the net effects of mobile money innovations on gender inclusion through income inequality are consistently negative. Fourth, as the positive conditional or interactive effects and negative net effects are consistent across the conditional distribution of gender inclusion, thresholds at which mobile money innovations can completely dampen the negative effect of income inequality on gender inclusion are provided. Therefore, policymakers should work toward improving conditions for mobile money innovations. They should also be aware that reducing both income inequality and enhancing mobile money innovations simultaneously leads to more inclusive outcomes in terms of gender inclusion.

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撒哈拉以南非洲的移动支付创新、收入不平等和性别包容

本研究采用交互式量化回归法，评估了1980年至2019年期间移动支付创新对42个撒哈拉以南非洲国家的收入不平等和性别包容所起的作用。研究发现，首先，收入不平等无条件地减少了妇女对商业和政治的参与。其次，移动支付创新与收入不平等相互作用，对妇女参与商业和政治产生积极影响。第三，移动支付创新通过收入不平等对性别包容的净影响始终是负的。第四，由于积极的条件效应或互动效应以及消极的净效应在性别包容的条件分布中是一致的，因此提供了移动货币创新能够完全抑制收入不平等对性别包容的消极影响的阈值。因此，决策者应努力改善移动支付创新的条件。他们还应该意识到，同时减少收入不平等和加强移动支付创新会在性别包容方面带来更具包容性的结果。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Financial Innovation Economics, Econometrics and Finance-Finance

CiteScore

11.40

自引率

11.90%

发文量

审稿时长

5 weeks

期刊介绍： Financial Innovation (FIN), a Springer OA journal sponsored by Southwestern University of Finance and Economics, serves as a global academic platform for sharing research findings in all aspects of financial innovation during the electronic business era. It facilitates interactions among researchers, policymakers, and practitioners, focusing on new financial instruments, technologies, markets, and institutions. Emphasizing emerging financial products enabled by disruptive technologies, FIN publishes high-quality academic and practical papers. The journal is peer-reviewed, indexed in SSCI, Scopus, Google Scholar, CNKI, CQVIP, and more.