FinTech and its interaction with banking is widely discussed today as a new phenomenon notwithstanding the relationship between technology and financial services is not a new topic. Most of the research focuses on innovations and determinants of their adoptions including among other innovations...

Despite Nigeria's huge population, huge consumer market and the vast number of mobile money operators (MMOs), the uptake of mobile money services has been the lowest in Africa. The introduction of mobile money services into the market after an elaborate licensing and regulatory process by the...