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The comparative exploration of mobile money services in inclusive development

Author

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  • Simplice Asongu

    (Yaoundé/Cameroun)

  • Ndemaze Asongu

    (Yaoundé/Cameroun)

Abstract

Purpose- We respond to some challenges in the transition to Sustainable Development Goals by examining the correlations between mobile and inclusive development (quality of growth, poverty and inequality) in 93 developing countries for the year 2011. Design/methodology/approach- Mobile money service entails: ‘mobile used to pay bills’ and ‘mobile used to receive/send money’. Interactive Ordinary Least Squares are employed. Findings- The following findings are established. First, increasing use of the mobile phones to pay bills: is positively linked to ‘quality of growth’ in lower-middle income countries (LMIC) and negatively correlated with inequality in Latin American countries (LA). Second, growing use of mobile phones to send/receive money is negatively associated with poverty in Asia and Pacific (AP) and Central and Eastern Europe (CEE). Originality/value- Macroeconomic data on mobile money service is scarce. No study to the best of our knowledge has used this macroeconomic mobile money service data before.

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  • Simplice Asongu & Ndemaze Asongu, 2017. "The comparative exploration of mobile money services in inclusive development," Working Papers of the African Governance and Development Institute. 17/011, African Governance and Development Institute..
    • Handle: RePEc:agd:wpaper:17/011
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    Cited by:

    1. Simplice A. Asongu & Nicholas M. Odhiambo, 2022. "Mobile technology supply factors and mobile money innovation: thresholds for complementary policies," Journal of Banking Regulation, Palgrave Macmillan, vol. 23(3), pages 288-301, September.
    2. Asongu, Simplice A. & Biekpe, Nicholas & Cassimon, Danny, 2021. "On the diffusion of mobile phone innovations for financial inclusion," Technology in Society, Elsevier, vol. 65(C).
    3. Asongu, Simplice & Odhiambo, Nicholas, 2020. "Social Media and Inclusive Human Development in Africa," MPRA Paper 103149, University Library of Munich, Germany.
    4. Simplice A. Asongu & Sara Roux, 2024. "The Role of Mobile Money Innovations in the Effect of Inequality on Poverty and Severity of Poverty in Sub-Saharan Africa," Information Systems Frontiers, Springer, vol. 26(4), pages 1565-1579, August.
    5. Asongu, Simplice & Odhiambo, Nicholas, 2020. "The Green Economy and Inequality in Sub-Saharan Africa: Avoidable Thresholds and Thresholds for Complementary Policies," MPRA Paper 107542, University Library of Munich, Germany.
    6. Simplice A. Asongu & Nicholas M. Odhiambo, 2019. "Basic formal education quality, information technology, and inclusive human development in sub‐Saharan Africa," Sustainable Development, John Wiley & Sons, Ltd., vol. 27(3), pages 419-428, May.
    7. Asongu, Simplice A & Odhiambo, Nicholas M, 2023. "Bank accounts, bank concentration and mobile money innovations," Working Papers 29949, University of South Africa, Department of Economics.
    8. Kazeem B. Ajide & Olorunfemi Y. Alimi & Simplice A. Asongu, 2019. "Ethnic Diversity and Inequality in Sub-Saharan Africa: Do Institutions Reduce the Noise?," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 145(3), pages 1033-1062, October.
    9. Asongu, Simplice A. & Biekpe, Nicholas & Cassimon, Danny, 2020. "Understanding the greater diffusion of mobile money innovations in Africa," Telecommunications Policy, Elsevier, vol. 44(8).
    10. Tchamyou, Vanessa S. & Erreygers, Guido & Cassimon, Danny, 2019. "Inequality, ICT and financial access in Africa," Technological Forecasting and Social Change, Elsevier, vol. 139(C), pages 169-184.
    11. Simplice Asongu & Nicholas Odhiambo, 2022. "The role of mobile characteristics on mobile money innovations," Quality & Quantity: International Journal of Methodology, Springer, vol. 56(6), pages 4693-4710, December.
    12. Uchenna R. Efobi & Belmondo V. Tanankem & Simplice A. Asongu, 2018. "Female Economic Participation with Information and Communication Technology (ICT) Advancement: Evidence from Sub-Saharan Africa," Research Africa Network Working Papers 18/005, Research Africa Network (RAN).
    13. Uchenna R. Efobi & Belmondo V. Tanankem & Simplice A. Asongu, 2018. "Female Economic Participation with Information and Communication Technology Advancement: Evidence from Sub‐Saharan Africa," South African Journal of Economics, Economic Society of South Africa, vol. 86(2), pages 231-246, June.
    14. Asongu, Simplice A. & Agyemang-Mintah, Peter & Nting, Rexon T., 2021. "Law, mobile money drivers and mobile money innovations in developing countries," Technological Forecasting and Social Change, Elsevier, vol. 168(C).
    15. Simplice Asongu & Agyenim Boateng, 2018. "Introduction to Special Issue: Mobile Technologies and Inclusive Development in Africa," Journal of African Business, Taylor & Francis Journals, vol. 19(3), pages 297-301, July.
    16. Kazeem B. Ajide & Olorunfemi Y. Alimi & Simplice A. Asongu & Ibrahim D. Raheem, 2022. "The role of institutional infrastructures in financial inclusion‐growth relations: Evidence from SSA," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 27(1), pages 175-191, January.
    17. Simplice A. Asongu & Vanessa S. Tchamyou & Paul N. Acha-Anyi, 2020. "Who Is Who in Knowledge Economy in Africa?," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 11(2), pages 425-457, June.
    18. Simplice A. Asongu & Nicholas M. Odhiambo, 2022. "Mobile technology supply factors and mobile money innovation: thresholds for complementary policies," Journal of Banking Regulation, Palgrave Macmillan, vol. 23(3), pages 288-301, September.
    19. Simplice A. Asongu & Nicholas M. Odhiambo, 2022. "The of role economic growth in modulating mobile connectivity dynamics for financial inclusion in developing countries," Working Papers of the African Governance and Development Institute. 22/013, African Governance and Development Institute..
    20. Simplice A. Asongu & Nicholas M. Odhiambo & Mushfiqur Rahman, 2024. "Information Technology, Inequality, and Adult Literacy in Developing Countries," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 15(1), pages 3927-3945, March.
    21. Simplice Asongu, 2023. "Telecommunications regulation, mobile money innovations and financial inclusion," Journal of Financial Regulation and Compliance, Emerald Group Publishing Limited, vol. 31(4), pages 503-521, April.
    22. Simplice A. Asongu & Raufhon Salahodjaev, 2023. "Demand-Side Mobile Money Drivers of Financial Inclusion: Minimum Economic Growth Thresholds for Mobile Money Innovations," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 14(4), pages 4848-4865, December.
    23. Simplice A. Asongu & Peter Agyemang-Mintah, 2024. "The relationship between inequality and poverty in developing countries: mitigating role of virtual social network and internet access in schools," Working Papers 24/011, European Xtramile Centre of African Studies (EXCAS).
    24. Naito, Hisahiro & Ismailov, Askar & Kimaro, Albert Benson, 2021. "The effect of mobile money on borrowing and saving: Evidence from Tanzania," World Development Perspectives, Elsevier, vol. 23(C).

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    More about this item

    Keywords

    Mobile money services; Quality of growth; poverty; inequality;
    All these keywords.

    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • O40 - Economic Development, Innovation, Technological Change, and Growth - - Economic Growth and Aggregate Productivity - - - General
    • I10 - Health, Education, and Welfare - - Health - - - General
    • I20 - Health, Education, and Welfare - - Education - - - General
    • I32 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Measurement and Analysis of Poverty

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