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on Microfinance |
| By: | Jenny Aker (Tufts University [Medford]); David Carroll (Tufts University [Medford]) |
| Abstract: | The introduction of digital financial services (DFS) offers new opportunities to reduce the transaction costs associated with money transfers. Over the past decade, the number of DFS deployments has increased substantially, with over 300 deployments worldwide as of 2020. While there is substantial potential for such services to address the constraints to financial inclusion, especially in West Africa, widespread adoption and usage of these services remains relatively concentrated in particular markets. Economic research shows promise in terms of DFS increasing access to money transfers, smoothing consumption and reducing poverty in the long-term, but few studies have more sustained impacts. This can, in part, be explained by the agent network in several countries and the regulatory framework. We conclude by providing recommendations for the further growth of mobile money in West Africa. |
| Keywords: | West Africa,Digital Financial Services (DFS),Mobile money,Financial inclusion,Agents,Interoperability |
| Date: | 2022–04–07 |
| URL: | http://d.repec.org/n?u=RePEc:hal:wpaper:hal-03642499&r= |
| By: | Fayçal Sawadogo (CERDI - Centre d'Études et de Recherches sur le Développement International - CNRS - Centre National de la Recherche Scientifique - UCA - Université Clermont Auvergne); Abdoul-Akim Wandaogo (CERDI - Centre d'Études et de Recherches sur le Développement International - CNRS - Centre National de la Recherche Scientifique - UCA - Université Clermont Auvergne) |
| Abstract: | Using a propensity score matching methodology, we study the causal effect of mobile money services adoption on intra-African goods trade. We find that countries that adopted MM register a higher goods trade share in GDP of about 0.6 percent in comparison to non-adopters. |
| Keywords: | JEL classification : F10,O23,O33,O55 Mobile money,Goods trade,Impact analysis,Africa |
| Date: | 2021–02 |
| URL: | http://d.repec.org/n?u=RePEc:hal:journl:hal-03620202&r= |