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Pathways to improving financial inclusion through mobile money: a fuzzy set qualitative comparative analysis

Pathways to improving financial inclusion through mobile money: a fuzzy set qualitative comparative analysis
Pathways to improving financial inclusion through mobile money: a fuzzy set qualitative comparative analysis
Purpose—The purpose of this study is to investigate and explain pathways through which mobile money can improve financial inclusion.

Design/methodology/approach—The study used 294 survey responses from mobile money users in Ghana. The data was analysed using fuzzy set qualitative comparative analysis (fsQCA).

Findings—The findings reveal four pathways for improving financial inclusion through mobile money. In addition, the study identified three distinct user topologies as well as their associated pathways through which mobile money can be used to improve financial inclusion.

Practical implications—Managers and financial services organisations need to design products and services to align with different pathways and user topologies to improve financial inclusion through mobile money. Moreover, they need to take into account people’s diverse social and economic backgrounds.

Originality/value—The study makes theoretical and empirical contributions by unpacking pathways through which mobile money can improve financial inclusion. In addition, this study reveals three distinct user topologies, being ease-of-use, behavioural intention and coverage-price-service driven, and associated pathways through which mobile money can improve financial inclusion. These pathways and user topologies are important to tailor mobile money services and financial inclusion policies. Lastly, this study is arguably the first to utilise UTAUT in fsQCA to extend the mobile money literature.
FinTech, Financial Inclusion, Mobile Money, Technology Innovation, fsQCA
1758-5813
Senyo, PK
b2150f66-8ef9-48f7-af32-3b055d4fa691
Osabutey, Ellis L.C
45bd0411-a7de-4ccc-82d4-28a9eb350dd4
Seny Kan, Konan
a9ce12dd-fb80-4efd-bb8c-e17017db9f62
Senyo, PK
b2150f66-8ef9-48f7-af32-3b055d4fa691
Osabutey, Ellis L.C
45bd0411-a7de-4ccc-82d4-28a9eb350dd4
Seny Kan, Konan
a9ce12dd-fb80-4efd-bb8c-e17017db9f62

Senyo, PK, Osabutey, Ellis L.C and Seny Kan, Konan (2020) Pathways to improving financial inclusion through mobile money: a fuzzy set qualitative comparative analysis. Information Technology & People. (doi:10.1108/ITP-06-2020-0418).

Record type: Article

Abstract

Purpose—The purpose of this study is to investigate and explain pathways through which mobile money can improve financial inclusion.

Design/methodology/approach—The study used 294 survey responses from mobile money users in Ghana. The data was analysed using fuzzy set qualitative comparative analysis (fsQCA).

Findings—The findings reveal four pathways for improving financial inclusion through mobile money. In addition, the study identified three distinct user topologies as well as their associated pathways through which mobile money can be used to improve financial inclusion.

Practical implications—Managers and financial services organisations need to design products and services to align with different pathways and user topologies to improve financial inclusion through mobile money. Moreover, they need to take into account people’s diverse social and economic backgrounds.

Originality/value—The study makes theoretical and empirical contributions by unpacking pathways through which mobile money can improve financial inclusion. In addition, this study reveals three distinct user topologies, being ease-of-use, behavioural intention and coverage-price-service driven, and associated pathways through which mobile money can improve financial inclusion. These pathways and user topologies are important to tailor mobile money services and financial inclusion policies. Lastly, this study is arguably the first to utilise UTAUT in fsQCA to extend the mobile money literature.

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ITP - Accepted Manuscript
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More information

Accepted/In Press date: 27 October 2020
e-pub ahead of print date: 23 November 2020
Keywords: FinTech, Financial Inclusion, Mobile Money, Technology Innovation, fsQCA

Identifiers

Local EPrints ID: 444772
URI: http://eprints.soton.ac.uk/id/eprint/444772
ISSN: 1758-5813
PURE UUID: 64e6c30f-67b1-4278-a0f5-18c2e7fbb521
ORCID for PK Senyo: ORCID iD orcid.org/0000-0001-7126-3826

Catalogue record

Date deposited: 04 Nov 2020 17:31
Last modified: 28 Apr 2022 02:29

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Contributors

Author: PK Senyo ORCID iD
Author: Ellis L.C Osabutey
Author: Konan Seny Kan

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