西非经济和货币联盟从扩大金融服务到解决贫困问题：移动支付的加速作用

IF 16.4 1区化学 Q1 CHEMISTRY, MULTIDISCIPLINARY

Accounts of Chemical Research Pub Date : 2024-01-18 DOI:10.1002/jid.3881

Melain Modeste Senou, Denis Acclassato Houensou

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引用次数: 0

摘要

本文旨在评估数字技术在西非经济和货币联盟（WAEMU）国家通过金融包容性消除贫困方面的加速作用。基于世界银行 Findex 数据库中的成年人口样本，我们估算了一个可解决内生性问题的递归二元概率模型。研究结果表明，定期使用移动支付以及使用移动支付的目的，包括储蓄、借贷、汇款及其组合，都会不同程度地显著提高西非经济货币联盟短期减贫的概率。此外，贫困状况的变化可能间接归因于使用移动支付的某些驱动因素，主要包括移动电话的拥有量。

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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From expanding financial services to tackling poverty in West African Economic and Monetary Union: The accelerating role of mobile money

This paper aims to assess the accelerating role of digital technology in fighting poverty through financial inclusion in the countries of West African Economic and Monetary Union (WAEMU). Based on a sample of the adult population from the World Bank's Findex database, we estimate a recursive bivariate probit model that addresses endogeneity. The findings show that the regular usage of mobile money as well as the purpose of mobile money usage including saving, borrowing, remittance and their combinations increase diversely and significantly the probability of short-term poverty alleviation in WAEMU. In addition, the change in poverty status can be indirectly due to certain driving factors of mobile money usage including mainly the ownership of mobile phones.

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来源期刊

Accounts of Chemical Research 化学-化学综合

CiteScore

31.40

自引率

1.10%

发文量

312

审稿时长

2 months

期刊介绍： Accounts of Chemical Research presents short, concise and critical articles offering easy-to-read overviews of basic research and applications in all areas of chemistry and biochemistry. These short reviews focus on research from the author’s own laboratory and are designed to teach the reader about a research project. In addition, Accounts of Chemical Research publishes commentaries that give an informed opinion on a current research problem. Special Issues online are devoted to a single topic of unusual activity and significance. Accounts of Chemical Research replaces the traditional article abstract with an article "Conspectus." These entries synopsize the research affording the reader a closer look at the content and significance of an article. Through this provision of a more detailed description of the article contents, the Conspectus enhances the article's discoverability by search engines and the exposure for the research.