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Linking Financial Literacy, Fintech and Financial Inclusion in Cameroon’s Mfoundi Division

Author

Listed:
  • Ayuk Takemeyang

    (PhD, ICT University, Messassi, Zoatupsi, Yaounde, Cameroon)

  • Henry Jong Ketuma

    (PhD, ICT University, Messassi, Zoatupsi, Yaounde, Cameroon)

  • Tambi Andison Akpor

    (Research Scholar, University of Dschang, Cameroon)

Abstract

Purpose: The purpose of this paper is to investigate how financial literacy influences financial inclusion in Cameroon, and whether financial technology (fintech) adoption plays a role in this relationship. Design/Methodology/Approach: The study is based on primary data collected from a sample of 231 respondents using well-structured questionnaire. The study uses a quantitative approach and the purposive random sampling method with the help of a Structural Equation Model (SEM), which is operated with Smart PLS to test a mediation model where fintech adaption mediates the link between financial literacy and inclusion. Findings: The results indicate that financial literacy significantly boosts financial inclusion, with fintech adoption playing a key partial mediator. Practical Implications: Enhancing literacy programs and expanding fintech access can drive inclusion, informing policymakers. Originality/Value: The study highlights fintech’s mediating role in a developing context, offering insights for Africa’s digital financial push.

Suggested Citation

  • Ayuk Takemeyang & Henry Jong Ketuma & Tambi Andison Akpor, 2025. "Linking Financial Literacy, Fintech and Financial Inclusion in Cameroon’s Mfoundi Division," Law and Economy, Paradigm Academic Press, vol. 4(11), pages 48-58, December.
    • Handle: RePEc:bdz:laweco:v:4:y:2025:i:11:p:48-58
    DOI: 10.63593/LE.2788-7049.2025.12.005
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