Search Results - subject_exact:"Mobile money"

When crisis calls, does mobile money answer? : evidence from high‑frequency transactions data in Zambia

Chibuye, Benjamin; Phiri, Sydney Chauwa - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015636675

The impact of mobile money and CBDCs on remittance fees : evidence from Nigeria and sub-Saharan Africa

Giraldo-Gordillo, Francisco Elieser; Bustillo Mesanza, … - 2026

This study investigates the potential effects of Mobile Money (MM) and Central Bank Digital Currencies (CBDCs) on the average transaction costs of remittances to Sub-Saharan Africa (SSA), with a focus on Nigeria. While much of the current literature highlights the theoretical benefits of CBDCs...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015628449

Mobile money adoption and bank credit growth : evidence from Sub-Saharan Africa

Mundonde, Justice; Makoni, Patricia Lindelwa - 2026

Whether mobile money complements or threatens the banking sector in Sub-Saharan Africa has been a contentious issue. This study aims to empirically investigate the impact of mobile money adoption on bank credit in Sub-Saharan Africa by addressing the question: Does mobile money adoption affect...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015676842

Last-mile PAYGo energy : allocating support across fragile payment nodes in developing economies

Aflaki, Arian; Aflaki, Sam - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016060519

Effect of taxation on digital finance adoption in Africa : the role of governance quality

2026

This study aims to examine the impact of taxation on the adoption of digital finance in Africa and to assess the extent to which governance quality moderates this relationship. Using panel data for 54 African countries over the period 2007-2023 and applying the two-step System GMM, we find that...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015676490

Channel observability in digital financial inclusion measurement : a diagnostic study of OIC countries, 2015-2024

Al-Hafidh, Nassar; Al-Karawi, Ahmed Lateef Salih; … - 2026

Digital financial inclusion (DFI) has become a central topic in financial inclusion research because digital payments, mobile money, internet banking, and platform-based finance can reduce access barriers and expand formal financial participation. Prior studies have documented the development...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064020

Challenging the bottom-of-the-pyramid narrative in Africa : a cross-cultural management perspective on the impact of mobile money

Jackson, Terence; Osabutey, Ellis L. C. - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015546895

Understanding temptation spending and saving behaviour among Malian farming households

Ölkers, Tim; Wahbi, Annkathrin; Mußhoff, Oliver - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015371756

Impact of financial inclusion on household welfare in Liberia : a gendered perspective

Mulbah, Francis F. B.; Olumeh, Dennis Etemesi; Mantey, Vida - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015334775

The classical and neoclassical perspectives : a theoretical framework for studying the advent and growth of mobile money : the Tanzanian experience

Mhella, Deogratius J. - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015334781

Back to bank : digital currency, deposits’ substitution and credit

Apaa Okello, Jimmy; Musoke, Samuel Namwanya; … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015417865

Fintech, business, and development : special issue reprint

2025

Fintech, short for financial technology, has become an increasingly important player in the global economy. Fintech companies leverage technological advancements to offer innovative financial services, ranging from mobile banking and peer-to-peer lending to cryptocurrency and blockchain-based...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015609811

The arduous path to moneyness : cryptocurrencies compared to mobile money

Lapabitsas, Kōstas - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015553621

Conceptualizing digital finance as a precursor for financial inclusion and financial service usage in Uganda

Nagaaba, Nickson; Batamuriza, Rehema; Basuta, James; … - 2025

This study conceptualizes digital finance as mobile banking, mobile money, and agent banking in the context of Uganda, and quantifies their influence on the usage levels of financial services. Data were collected from 290 lead households from 15 districts of Uganda, benefiting from the Uganda...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015607671

Show me the money! : experimental evidence on preferences for cash vs. digital payment

Ambler, Kate; Mohammed Mehrab Bin Bakhtiar; Bloem, … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015656227

Does mobile money adoption and credit access improve enterprise innovation and performance in Sierra Leone?

Djossou, Gbetoton Nadege; Sandy, James Fomba; Novignon, … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015481410

Mobile money use and entrepreneurs' access to trade credit in the informal sector

Tetteh, Godsway Korku; Goedhuys, Micheline; Konte, Maty; … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015481533

Is fintech good for bank performance? : the case of mobile money in the East African Community

Ky, Serge Stéphane; Rugemintwari, Clovis; Sauviat, Alain - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015482720

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Is Fintech Good for Bank Performance? The Case of Mobile Money in the East African Community

Ky, Serge Stéphane - 2019

Book / Working Paper

Bypassing bribes : mobile money and corruption in Africa

Simpson, Ashley Blair; Zimbalist, Zack - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015484342

The Effects of CBDCs on mobile money and outstanding loans : evidence from the eNaira and SandDollar experiences

Giraldo-Gordillo, Francisco Elieser; Bustillo-Mesanza, … - 2025

This paper measures the post-treatment effects of Central Bank Digital Currencies (CBDCs) on mobile money and outstanding loans from commercial banks as a percentage of the GDP in Nigeria and the Bahamas, respectively, from the perspective of financial inclusion. The literature on the topic has...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015534040

Urbanized and savvy : which African firms are making the most of mobile money?

Ackah, Charles; Hanley, Aoife; Hecker, Lars; Kodom, Michael - 2024

Our analysis of over 500 Ghanaian firms sheds light, for the first time, on how certain firms managed to extract value from mobile money. Our regressions point to the usefulness of this form of cashless payments in stabilizing sales during the COVID pandemic. Perhaps the most important message...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015063472

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Urbanized and savvy - which African firms are making the most of mobile money?

Ackah, Charles; Hanley, Aoife; Hecker, Lars; Kodom, Michael - 2024

Book / Working Paper

Mobile money use, digital banking services and velocity of money in Ghana

Ocansey, Evans N. N. D.; Dadzie, Philomena; Nambie, … - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014584103

The Ghana E-Levy : impact on the usage of mobile money

Carreras, Marco; Diouf, Awa; Niesten, Hannelore - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014632058

Mobile money as a stepping stone to financial inclusion : how digital multisided platforms fill institutional voids

Agarwal, Aparajita; Assenova, Valentina A. - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014635419

Impact of institutions on financial inclusion in Africa

Łaszewski, Antoni Ludwik - 2024

Financial inclusion, for which the keystone is access to a bank account, is crucial to overcome the socioeconomic backwardness of African countries and to improve the African societies' well-being. The study concentrates on this continent to better understand the nature of its development in...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014636635

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Impact of institutions on financial inclusion in Africa

Łaszewski, Antoni Ludwik - 2024

Article

Exploring how mobile money adoption affects nutrition and household food security

Ajefu, Joseph Boniface; Uchenna, Efobi; Adeoye, Lydia; … - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015108065

Mobile money taxes : knowledge, perceptions and politics : the case of Ghana

Abounabhan, Mary; Diouf, Awa; Santoro, Fabrizio; … - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014531091

Finding the missing stone : mobile money and the quality of tax policy and administration

Apeti, Ablam Estel; Edoh, Eyah Denise - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014464467

Mobile money and multidimensional energy poverty : a cross-national study of Burkina Faso and Togo

Compaore, Eugène Dimaviya; Guira, Asmo; Maiga, Boukaré - 2024

Using data from the FinScop survey (2016), this study aims to analyse the effect of mobile money on multidimensional energy poverty (MEPI) in Burkina Faso and Togo. MEPI was calculated using the method of Alkire and Foster in 2011, and a linear regression based on the instrumental variable...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015337800

How Tanzania's levy on mobile money affects small businesses

Pfeil, Stefanie; Murimi, Luciana Nyaoke; Siebert, Marius; … - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015198441

Digital assets in payments and transaction banking

Milne, Alistair; Lawack, Vivienne - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015406260

Trust in government, electronic taxation, and the adoption of fintech

Baah-Peprah, Prince; Nyarko, Samuel Anokye; Flåten, … - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015481292

Digital financial services and livelihood diversification in rural Ghana

Atta-Ankomah, Richmond; Adjei-Mantey, Kwame; Amankwah, … - 2024

The emergence of digital financial systems, especially mobile money, has significantly changed the financial services space in sub-Saharan Africa in ways that promote financial inclusion among the poor, including those in rural communities. Focusing on mobile money, which is the main avenue for...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015376892

From phone access to food markets: How mobile connectivity is transforming rural livelihoods in West Africa

Cariolle, Joël; Carroll, David Alexander - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015605036

Privacy by design for public digital money

Summer, Martin - 2026

As central banks explore issuing digital currencies for public use, a critical design challenge is how to protect the privacy of the granular data trails digital payments leave behind. While privacy is widely recognised as a goal, policy debates often frame it as a trade-off with crime...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015617422

Central bank digital currency as a new means of payment : an experimental approach

Magin, Jana; Neyer, Ulrike; Stevens, Alexandra - 2026

Many Central banks around the world are considering the introduction of a Central Bank Digital Currency (CBDC) as a new means of payment. One of the reasons for introducing a CBDC is a change in payment behavior towards an increasing use of electronic forms of payment. This paper examines the...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015618518

SME entrepreneurs’ continuance use of digital payment tools : an integrated TAM-PAM model with sustainability attitude and satisfaction as a dual mediator

Sultana, Nahida; Haque, Afruza; Rupa, Rasheda Akter - 2026

Digital Payment Tools (DPTs) are increasingly promoted as catalysts for financial inclusion, operational efficiency, and sustainable growth among Small and Medium Enterprises (SMEs) in developing economies such as Bangladesh. However, prior research predominantly treats DPT adoption as a static...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015654667

Sustainable digital finance in central banking

Park, Ki Young; Ha, Hyuk Jin; Ryu, Jaemin - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015549149

Digital payments: opportunities and challenges for African tax administrations

Santoro, Fabrizio; Rossel, Lucía - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015549193

Mobile money: the democratising force of financial inclusion

Labouré, Marion - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015549198

Cashing in on cashless: different pathways to cashless payments in the Global South

Brandl, Barbara; Moreno, Guadalupe - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015549199

Digital cross-border payment technologies in fragile, conflict, and vulnerable settings

Moret, Erica - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015549200

India's DPI experiment and digital finance revolution

Gandhi, Vikram; Kak, Radhika - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015549206

Innovations and the layering of money and payments

Bindseil, Ulrich - 2026

This paper analyses the role of layering in the architecture of money and payment systems and how recent technological innovations affect it. Layering in payments, whereby payment ledgers are hierarchical to each other, and senior ledgers allow for interoperability between junior ledgers, has...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015618783

To tokenize, or not to tokenize : the design question for a central bank digital currency

Chiu, Jonathan; Monnet, Cyril; Xu, Oliver Junye - 2026 - Last updated: May 7, 2026

This paper develops a general equilibrium model to assess central bank digital currency (CBDC) design in a monetary system where traditional banks and "crypto banks" (i.e., banks that issue stablecoins) coexist. We compare tokenized and non-tokenized CBDC, showing that their desirability depends...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015655361

Understanding consumer demand for "Buy Now, Pay Later"

Aidala, Felix; Koşar, Gizem; Mangrum, Daniel; Klaauw, … - 2026 - Revised February 2026

We estimate consumer preferences for "Buy Now, Pay Later" (BNPL) using a large-scale probabilistic stated choice survey experiment. Average willingness to pay (WTP) for the standard BNPL bundle is negative, but younger, lower-income, and less credit-worthy consumers exhibit higher demand. The...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015462921

From cash to crypto: towards a consistent regulatory approach to illicit payments

Minto, Andrea; Kosse, Anneke; Shirakami, Takeshi; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015609560

I am so tired! I don't know what to do! survey fatigue and financial literacy : results from a randomized experiment

Chernesky, Anna; Huynh, Kim P.; Voia, Marcel-Christian - 2026 - Last updated: March 4, 2026

Cross-country evidence finds that there are low levels of financial literacy. Financial literacy is often measured using the "Big Three" questions about interest rates, inflation, and risk. These questions are usually part of a longer survey. Respondents in long surveys may suffer survey fatigue...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015610866

Selected European law challenges related to the use of artificial intelligence payment agents

Grabowski, Michał; Costea, Iulia - 2026 - Version: 26 February 2026

This article examines the EU-law challenges arising from the use of artificial intelligence for payment initiation and execution (“Payment Agents”) under European Union law. It focuses on Payment Agents that support purchasing workflows and are capable of initiating payments in both...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015612290

Digitalization and corruption : global intersection matrix

Pisker, Barbara; Radman-Funaric, Mirjana; Cosic, Dunja - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015612492