Emergence of Mobile Financial Services in Ghana: Concerns for Use among Informal Sector Women Entrepreneurs

IF 1.2 Q3 BUSINESS, FINANCE

Journal of Emerging Market Finance Pub Date : 2018-11-08 DOI:10.1177/0972652718798191

Raymond K. Dziwornu, Kingsley K. Anagba, A. D. Aniapam

引用次数: 4

Abstract

Mobile financial services (MFS) have emerged in recent years as an indispensable tool to promote financial inclusion in emerging economies like Ghana. This article investigated the factors affecting MFS use among 300 women entrepreneurs in the informal sector in Ghana, using multinomial logit model. Knowledge of MFS, trust of services provided, nearness to agents and privacy of information are more likely to drive MFS use. In addition to embarking on aggressive radio and television advertisement, service operators should deploy more agents and invest in reliable infrastructure to build users’ trust to increase MFS use. JEL Classification: D12, G20

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加纳移动金融服务的出现:对非正规部门女企业家使用的关注

近年来，移动金融服务(MFS)已成为加纳等新兴经济体促进普惠金融不可或缺的工具。本文采用多项逻辑模型对加纳300名非正规部门女企业家使用小额信贷的影响因素进行了调查。对MFS的了解、对所提供服务的信任、与代理的接近程度以及信息的私密性更有可能推动MFS的使用。除了积极开展广播电视广告外，服务运营商还应部署更多的代理商，并投资于可靠的基础设施，以建立用户的信任，从而增加MFS的使用。JEL分类:D12、G20

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

Journal of Emerging Market Finance BUSINESS, FINANCE-

CiteScore

1.80

自引率

33.30%

发文量

期刊介绍： The Journal of Emerging Market Finance is a forum for debate and discussion on the theory and practice of finance in emerging markets. While the emphasis is on articles that are of practical significance, the journal also covers theoretical and conceptual aspects relating to emerging financial markets. Peer-reviewed, the journal is equally useful to practitioners and to banking and investment companies as to scholars.