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Bridging gaps: How does mobile banking drives entrepreneurial intention through financial inclusion

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  • Elbayoumy, Osama
  • Liu, Ruihong
  • Ding, Xiu-Hao

Abstract

Entrepreneurship plays a vital role in reducing poverty and fostering economic development, yet understanding the drivers of entrepreneurial intention (EI) remains essential. This study examines how the adoption of mobile banking (AMB) influences EI through financial inclusion (FI) among adults in Egypt. Survey data were collected from 341 respondents and analyzed using Structural Equation Modeling (SEM) with mediation analysis. The findings reveal that AMB significantly impacts access (β = 0.157, P < 0.01), usage (β = 0.167, P < 0.01), and perceived quality of financial services (PQFS) (β = 0.267, P < 0.01) dimensions of FI, respectively. Also, finds that the AMB (β = 0.187, P < 0.05) and PQFS (β = 0.403, P < 0.01), as dimensions of FI, positively influence EI. Additionally, the study finds that the PQFS partially mediates 38.8 % of the effect of AMB on EI. These results highlight the critical role of digital financial services in promoting FI and stimulating entrepreneurship, offering implications for policymakers, service providers, and financial institutions in emerging economies.

Suggested Citation

  • Elbayoumy, Osama & Liu, Ruihong & Ding, Xiu-Hao, 2026. "Bridging gaps: How does mobile banking drives entrepreneurial intention through financial inclusion," Journal of Retailing and Consumer Services, Elsevier, vol. 89(PB).
    • Handle: RePEc:eee:joreco:v:89:y:2026:i:pb:s0969698925004187
    DOI: 10.1016/j.jretconser.2025.104639
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