Mobile Money and Financial Inclusion in Sub- Saharan Africa: the Moderating Role of Social Networks
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Date
2018
Journal Title
Journal ISSN
Volume Title
Publisher
Journal of African Business
Abstract
The purpose of this article is to test the moderating effect of social
networks in the relationship between mobile money usage and
financial inclusion in rural Uganda. The results revealed that there
is a significant and positive moderating effect of social networks in
the relationship between mobile money usage and financial inclusion
in rural Uganda. Besides, mobile money usage and social
networks have direct and significant effects on financial inclusion
in rural Uganda. Thus, the findings suggest that existence of social
networks of strong and weak ties among mobile money users
promote financial inclusion in rural Uganda. Previous studies
have concentrated only on investigating the impact of mobile
money in promoting financial inclusion in developing economies,
especially in Sub-Saharan Africa. However, this particular study
introduces the moderating effect of social networks in the relationship
between mobile money usage and financial inclusion in
rural Uganda, which seems to be sparse and lacking in literature.
Description
Keywords
Mobile money services, Financial inclusion, Rural Uganda, Sub-Saharan Africa, Network ties
Citation
George Okello Candiya Bongomin, Joseph M Ntayi, John C. Munene & Charles Akol Malinga (2018) Mobile Money and Financial Inclusion in Sub-Saharan Africa: the Moderating Role of Social Networks, Journal of African Business, 19:3, 361-384, DOI: 10.1080/15228916.2017.1416214