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Mobile money and household consumption volatility
[Mobile money et volatilité de la consommation des ménages]

Author

Listed:
  • Ablam Estel Apeti

    (CERDI - Centre d'Études et de Recherches sur le Développement International - IRD - Institut de Recherche pour le Développement - CNRS - Centre National de la Recherche Scientifique - UCA - Université Clermont Auvergne)

Abstract

Access to financial services plays an important role in household welfare, as it provides access to investment opportunities, savings, consumption smoothing, and insurance against unexpected shocks. In developing economies where formal financial services exclude nearly half of the population, the development of mobile cellular offers an exciting avenue to provide poor households with access to basic financial services through mobile money. In this study, we analyze the effect of this financial innovation, i.e., mobile money, on household consumption volatility. Our results show that mobile money reduces household consumption volatility. Finally, we identify financial inclusion and migrant remittances as potential major transmission channels.

Suggested Citation

  • Ablam Estel Apeti, 2022. "Mobile money and household consumption volatility [Mobile money et volatilité de la consommation des ménages]," Post-Print hal-03847525, HAL.
  • Handle: RePEc:hal:journl:hal-03847525
    Note: View the original document on HAL open archive server: https://uca.hal.science/hal-03847525
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    Keywords

    Mobile money services; Mobile money; Volatilité; Pays en dévelopement; Consommation des ménages;
    All these keywords.

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