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Law, mobile money drivers and mobile money innovations in developing countries

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  • Asongu, Simplice
  • Agyemang-Mintah, Peter
  • Nting, Rexon

Abstract

This study investigates how the rule of law (i.e. law) modulates demand- and supply-side drivers of mobile money to influence mobile money innovations (i.e. mobile money accounts, the mobile phone used to send money and the mobile phone used to receive money) in developing countries. The following findings from Tobit regressions are established. First, from the demand-side linkages, law modulates: (i) bank accounts and automated teller machine (ATM) penetration for negative interactive relationships with mobile money innovations and (ii) bank sector concentration for a positive interactive relationship with mobile money accounts. Second, from supply-side linkages, law interacts with: (i) mobile subscriptions for a negative relationship with the mobile phone used to send money; (ii) mobile connectivity coverage for a negative nexus on the mobile phone used to receive money and (iii) mobile connectivity performance for a negative influence on the mobile phone used to send/receive money. Policy implications are discussed in the light of enhancing the rule of law as well as improving mobile phone subscription, connectivity and performance dynamics.

Suggested Citation

  • Asongu, Simplice & Agyemang-Mintah, Peter & Nting, Rexon, 2021. "Law, mobile money drivers and mobile money innovations in developing countries," MPRA Paper 110135, University Library of Munich, Germany.
  • Handle: RePEc:pra:mprapa:110135
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    Cited by:

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    2. 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.
    3. 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.
    4. Kraus, Sascha & Kumar, Satish & Lim, Weng Marc & Kaur, Jaspreet & Sharma, Anuj & Schiavone, Francesco, 2023. "From moon landing to metaverse: Tracing the evolution of Technological Forecasting and Social Change," Technological Forecasting and Social Change, Elsevier, vol. 189(C).
    5. Dzandu, Michael D. & Hanu, Charles & Amegbe, Hayford, 2022. "Gamification of mobile money payment for generating customer value in emerging economies: The social impact theory perspective," Technological Forecasting and Social Change, Elsevier, vol. 185(C).
    6. Shobande, Olatunji A. & Ogbeifun, Lawrence, 2023. "Pooling cross-sectional and time series data for estimating causality between technological innovation, affluence and carbon dynamics: A comparative evidence from developed and developing countries," Technological Forecasting and Social Change, Elsevier, vol. 187(C).

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    More about this item

    Keywords

    Mobile money; technology diffusion; financial inclusion; inclusive innovation;
    All these keywords.

    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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