Mobile Money and Financial Inclusion in Sub-Saharan Africa: the Moderating Role of Social Networks

2018 ◽  
Vol 19 (3) ◽  
pp. 361-384 ◽  
Author(s):  
George Okello Candiya Bongomin ◽  
Joseph M Ntayi ◽  
John C. Munene ◽  
Charles Akol Malinga
Keyword(s):  
Social Networks ◽  
Financial Inclusion ◽  
Sub Saharan Africa ◽  
Mobile Money ◽  
Sub Saharan ◽  
Moderating Role

scholarly journals Doing research with police elites in Ghana

2018 ◽  
Vol 19 (5) ◽  
pp. 537-553 ◽  
Author(s):  
Emmanuel Addo Sowatey ◽  
Justice Tankebe
Keyword(s):  
Social Networks ◽  
Police Officers ◽  
Cultural Practices ◽  
Ethical Dilemmas ◽  
Sub Saharan Africa ◽  
Informal Social Networks ◽  
Challenges And Opportunities ◽  
Sub Saharan ◽  
Senior Officers

Much of our methodological insights from researching policing in sub-Saharan Africa comes from studies of frontline officers. Consequently, many important methodological questions about research on senior police officers remain unanswered. This article addresses this gap by drawing on insights from interviewing senior officers in Ghana. It focuses on the challenges and opportunities in negotiating access, establishing trust during interviews and dealing with ethical dilemmas. We highlight the role of informal social networks and cultural practices of surprise visits, what we have termed strategic ambush, in securing formal approval for our research. However, this represented mere or putative access for which deference towards institutional gatekeepers was key to its actualization. Deference towards officers and extensive knowledge of the policing environment helped to put the senior officers at ease, and enhanced the chances of a successful interview. Finally, we offer reflections on our responses to unexpected ethical dilemmas that we faced in the field.

Mobile Money Services as a Panacea to Financial Inclusion in Sub-Saharan Africa

2017 ◽  
Vol 8 (4) ◽  
pp. 77-88 ◽  
Author(s):  
Emmanuel Eilu ◽  
Theresa Odur Auma
Keyword(s):  
African Country ◽  
Financial Inclusion ◽  
Sub Saharan Africa ◽  
Service Usage ◽  
Mobile Money ◽  
Financial Exclusion ◽  
Sub Saharan ◽  
Key Barrier ◽  
High Level ◽  
Sustainable Economic Growth

One of the most important drivers for sustainable economic growth and development is financial inclusion. This explains why financial exclusion is a leading cause of extreme poverty and a key barrier to growth. The level of financial inclusion in Sub-Saharan Africa still remains low. However, there is evidence that mobile money technology, taking advantage of the high level of mobile phone penetration in the region, has been seen to drive financial inclusion. However, very few studies have been conducted in the region to particularly establish the extent mobile money service usage has leveraged financial inclusion. In this study, we investigate the extent to which three most common mobile money services namely, sending money, receiving money and bill payment have leveraged financial inclusion in a Sub-Saharan African country like Uganda. Our study reveals that the most widely used mobile money service in this rural area was for receiving money. This has greatly enhanced financial inclusion by facilitating both domestic and international remittance.

Mobile Money Transfer

2020 ◽  
pp. 1-15
Author(s):  
Martin Kang'ethe Gachukia
Keyword(s):  
Financial Inclusion ◽  
Sub Saharan Africa ◽  
Economic Policies ◽  
African Countries ◽  
Middle Income ◽  
The Sustainable Development ◽  
Mobile Money ◽  
International Remittances ◽  
Money Transfer ◽  
Sub Saharan

The chapter reviews the growth of mobile money transactions (MMTs) and their effect on international remittances and financial inclusion. The novelty of MMTs is its widening adaptation beyond Sub-Saharan Africa with increased confidence in use of MMTs by international humanitarian agencies and governments in reaching out to citizenry through government-to-people (G2P) as well as people-to-government (P2G) payment platforms. The chapter is conceptualized on the emergent themes emanating from the World Bank data under the G20 financial inclusion indicators in 60 countries with remarkable MMTs per 100,000 adults. Emergent findings from the data indicates of MMT benefits to small countries such as the Pacific Island countries, benign economic policies under West African countries, increased uptake of cash and voucher transfers through humanitarian support, and the pursuit of cashless economy through mobile wallets. In essence, the growth of MMTs is currently viewed as leap-frog strategy to the low- and middle-income countries embracing MMTs in promoting the sustainable development goals.

Mobile Money Services as a Panacea to Financial Inclusion in Sub-Saharan Africa

2020 ◽  
pp. 569-581
Author(s):  
Emmanuel Eilu ◽  
Theresa Odur Auma
Keyword(s):  
Growth And Development ◽  
Financial Inclusion ◽  
Sub Saharan Africa ◽  
Service Usage ◽  
Mobile Money ◽  
Financial Exclusion ◽  
Sub Saharan ◽  
Key Barrier ◽  
High Level ◽  
Sustainable Economic Growth

One of the most important drivers for sustainable economic growth and development is financial inclusion. This explains why financial exclusion is a leading cause of extreme poverty and a key barrier to growth. The level of financial inclusion in Sub-Saharan Africa still remains low. However, there is evidence that mobile money technology, taking advantage of the high level of mobile phone penetration in the region, has been seen to drive financial inclusion. However, very few studies have been conducted in the region to particularly establish the extent mobile money service usage has leveraged financial inclusion. In this study, we investigate the extent to which three most common mobile money services namely, sending money, receiving money and bill payment have leveraged financial inclusion in a Sub-Saharan African country like Uganda. Our study reveals that the most widely used mobile money service in this rural area was for receiving money. This has greatly enhanced financial inclusion by facilitating both domestic and international remittance.

Semi-Systematic Review of the Perceived Cost of Mobile Payment in Sub-Saharan Africa

2021 ◽  
Vol 20 (3) ◽  
pp. 205-224
Author(s):  
Cephas Paa Kwasi Coffie ◽  
Hongjiang Zhao
Keyword(s):  
Systematic Review ◽  
Financial Inclusion ◽  
Sub Saharan Africa ◽  
Mobile Money ◽  
The Poor ◽  
Telecommunication Companies ◽  
Mobile Charges ◽  
Sub Saharan ◽  
The Cost ◽  
Financial Technology

Abstract Financial technology offers convenience, security, and affordability. In sub-Saharan Africa, mobile money is the flagship offering hypothesized to promote financial inclusion. Nonetheless, the persistent complaints from end-users about the cost associated with mobile money usage in the sub-region have gone under the radar. Therefore, using the semi-systematic review of news articles and blogs’ in direct content analysis, we explore the cost of mobile money usage in the sub-region. We examine the state of mobile charges and how it potentially reverses the original purpose of FinTech. Results indicate that governments and other stakeholders find mobile money charges to be high. The imposition of mobile money tax and the regressive structure of mobile money charges affect the poor. The effort of policymakers to reduce the cost of mobile money in the sub-region is ineffective because the FinTech market is dominated by few foreign-owned telecommunication companies. Thus, the creation and promotion of a domestic FinTech market are necessary to promote greater financial inclusion.

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