Mobile Phone Penetration, Mobile Banking and Inclusive Development in Africa

Asongu, Simplice and Nwachukwu, Jacinta Chikaodi orcid iconORCID: 0000-0003-2987-9242 (2016) Mobile Phone Penetration, Mobile Banking and Inclusive Development in Africa. The African Finance Journal, 18 (1). pp. 34-52. ISSN 1605-9786

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Official URL: https://journals.co.za/content/finj/18/1/EJC191950

Abstract

The study assesses the role of mobile phones and mobile banking in decreasing inequality in 52 African countries. The empirical procedure involves first, examining the income-redistributive effect of mobile phone penetration and then investigating the contribution of mobile banking services in this relationship. The findings suggest an equalizing income-redistributive effect of 'mobile phone penetration' and 'mobile banking', with a higher income-equalizing effect from mobile banking compared to mobile phone penetration. Poverty alleviation channels explaining this difference in inequality mitigating propensity are discussed.


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