Drivers of mobile financial inclusion in Ghana

Q4 Social Sciences

Enterprise Development and Microfinance Pub Date : 2020-12-01 DOI:10.3362/1755-1986.20-00008

M. Kodom, C. Ackah, W. Steel, G. Bokpin

引用次数: 1

Abstract

Mobile money adoption is gradually bridging the financial inclusion gap in access to financial services between higher- vs. lower-income populations in many developing countries, including Ghana. However, levels of adoption differ within and between countries. Using a nationally representative survey sample of 5,220, this paper examines the determinants of mobile money adoption and use in Ghana and explores how they vary across demographic groups. The probit estimation showed perceived usefulness and social influence as drivers of adoption, while transaction costs inhibit adoption to varying degrees across demographic groups. The major challenges users faced were network failures and high service charges. Measures to enhance mobile network connectivity and liaise with service providers to reduce the service charges would boost adoption and financial inclusion.

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加纳移动金融普惠的驱动因素

在包括加纳在内的许多发展中国家，移动货币的采用正在逐步缩小高收入人群与低收入人群在获得金融服务方面的金融包容性差距。然而，国家内部和国家之间的采用程度各不相同。本文使用5220个具有全国代表性的调查样本，研究了加纳移动货币采用和使用的决定因素，并探讨了它们在不同人口群体中的差异。probit估计显示，感知有用性和社会影响力是收养的驱动因素，而交易成本在不同人口群体中不同程度地抑制收养。用户面临的主要挑战是网络故障和高昂的服务费。加强移动网络连接并与服务提供商联络以降低服务费用的措施将促进采用和金融包容性。

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

Enterprise Development and Microfinance Social Sciences-Development

CiteScore

0.60

自引率

0.00%

发文量

期刊介绍： EDM encourages critical thinking on how market systems can be more inclusive and sustainable, with concrete implications for designing, implementing, and evaluating business support programmes. EDM is essential reading for practitioners, researchers, donors, policymakers, and finance specialists engaged in market-related activities involving poor people in the global South. The coverage includes but is not restricted to: • Financial inclusion (inclusive financial services and products) • Emerging financing models (impact investment, responsible finance, social lending) • Value chain analysis and development • Inclusive business models • Equity (gender, youth, marginalized) in access to financial services and value chains • Political and regulatory framework for SME development and financial services • ICT for business development and financial services • Sustainability standards • Advisory services for SMEs • Impact assessment.