Essays in mobile money services and financial inclusion

Crawford School of Public Policy | Arndt-Corden Department of Economics | ANU College of Asia & the Pacific

Event details

PhD Seminar (Econ)

Date & time

Friday 28 February 2020


Seminar Room 1, Stanner Building 37, Crawford School


Mar Umali


Ryan Edwards
+61 2 6125 5191

This study examines the determinants of mobile money adoption and usage in seven developing countries, Bangladesh, India, Kenya, Nigeria, Pakistan, Tanzania, and Uganda. Despite the promotion of mobile money by governments and international non-profit organisations, statistics show that adoption and usage rates are still low in the majority of these countries. We explore how socio-economic factors, with emphasis on literacy and microfinance engagement, affect the probability of access and active usage of mobile money services. Using a logistic linear mixed model, findings show that literacy and microfinance engagement significantly increases both the adoption and usage of these services. These findings are evident in all the countries studied in this paper and suggests policies that improve literacy, financial literacy, and microfinance integration with mobile money services.

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