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Financial Access Thresholds in Mitigating Market Power for Financial Inclusion

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  • Simplice A. Asongu

    (Pretoria, South Africa)

Abstract

The study assesses how financial access dynamics in terms of bank accounts and automated teller machines (ATMs) moderate the influence of market power on financial inclusion in terms mobile money innovations in developing countries. The empirical evidence is based on Tobit regressions. From the findings, bank concentration has a negative influence on mobile money accounts while such a negative influence is hedged by financial access dynamics of bank accounts and ATMs. Though the interactive influences are positive, the overall or net influences are negative and hence, financial access thresholds at which the overall negative influences on mobile money accounts are nullified are 95 percentage of adults who have an account in a formal financial institution and 100 ATMs per 100,000 people. Beyond these thresholds, bank concentration or market power no longer has a negative influence on mobile money accounts.

Suggested Citation

  • Simplice A. Asongu, 2026. "Financial Access Thresholds in Mitigating Market Power for Financial Inclusion," Working Papers 26/064, European Xtramile Centre of African Studies (EXCAS).
    • Handle: RePEc:exs:wpaper:26/064
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    JEL classification:

    • D10 - Microeconomics - - Household Behavior - - - General
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D31 - Microeconomics - - Distribution - - - Personal Income and Wealth Distribution
    • D60 - Microeconomics - - Welfare Economics - - - General
    • O30 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - General

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