Research Sources

Literature Synthesis: Mobile Money Adoption and Financial Inclusion Among Nigerian Market Women

Thematic Clusters

1. Determinants of mobile money adoption. The literature consistently identifies demand- and supply-side determinants: affordability and transaction costs, network coverage and agent proximity, digital and financial literacy, trust in providers, and device/internet access. A foundational review frames mobile money as the most consequential innovation for African financial inclusion in a decade, while noting adoption is uneven across countries and segments (Ahmad et al., 2020). Nigeria-specific work shows that mobile banking uptake hinges on infrastructure quality, cost perceptions, and regulatory enablement rather than on population size alone (Siano et al., 2020), and that the business models of mobile money operators — including agent liquidity management — materially shape sustained use (David‐West et al., 2019). Network coverage emerges as a binding constraint in sub-Saharan Africa, with recent evidence linking coverage expansion directly to fintech adoption (Mothobi & Kebotsamang, 2024). Across SSA, income, education, and internet use remain the strongest individual-level predictors of inclusion (Eshun & Kočenda, 2024).

2. Gender and digital financial services. The gender strand is the most contested in this corpus. Global and regional studies document persistent gender gaps in account ownership and mobile money use, driven by lower mobile-phone ownership, weaker digital skills, and intra-household dependence on male relatives (Were et al., 2021). Digital financial literacy is repeatedly shown to condition women entrepreneurs’ inclusion more than men’s (Hasan et al., 2022). However, a growing body of evidence — including the World Bank’s own post-COVID assessments — shows that well-designed digital channels can close or even reverse gender gaps, particularly where agent-led models lower entry barriers for women (Hess et al., 2021). Mobile money adoption is associated with women’s economic empowerment through improved financial management practices (Dorfleitner & Nguyen, 2022).

3. Informal economy and women traders. Research directly on market women is thinner but telling. Nigerian evidence shows low-wealth women entrepreneurs frequently forgo formal mobile money and microfinance in favour of informal revolving credit schemes, citing trust, flexibility, and social embeddedness (Peter & Orser, 2024). Studies of informal traders in Lagos link microfinance repayment burdens to the mental well-being of women entrepreneurs, underscoring that access alone is not benign (Olohunlana et al., 2023). Comparative work on women-owned informal enterprises finds that education, business size, and prior financial experience drive inclusion, while cash-dependency and liquidity needs remain structural barriers (Sherwani et al., 2023). Women entrepreneurs in southwest Nigeria face persistent credit, infrastructure, and socio-cultural constraints (Aladejebi, 2020).

4. Regulatory frameworks and agent banking. The regulatory cluster converges on the Central Bank of Nigeria’s layered approach — mobile money licensing, tiered KYC, agent banking, and Payment Service Banks — as the institutional backbone of inclusion. IMF analysis describes Nigeria’s digital financial services strategy as achieving “undeniable successes” in onboarding while exclusion rates still exceed official targets, with financial literacy as the binding residual constraint (Wezel & Ree, 2023). Industry evidence on mobile financial services for the unbanked shows agent-based delivery models operating as pivotal last-mile infrastructure for low-income users, including the retail sectors where women trade (Pénicaud & Katakam, 2019). Consumer-protection scholarship warns that digital delivery channels create new risks — fraud, opaque pricing, data misuse — that regulators must address if inclusion gains are to be durable (Garz et al., 2021). Studies of Ghana and Uganda demonstrate that mobile money improves inclusion through trust-building, interoperability, and agent liquidity, with direct lessons for Nigeria (Malinga & Maiga, 2019).

Key Debates

Debate 1 — Does mobile money include or exclude? A celebratory literature treats mobile money as an unambiguous inclusion engine; a critical counter-literature documents a “dark side” — fraud, indebtedness, and digital exclusion of the least literate — arguing adoption can reproduce inequality (Mogaji & Nguyen, 2022). IMF work formalises this tension, finding fintech correlates more strongly with digital than with traditional inclusion, suggesting gains may bypass the digitally marginalised (Tok & Heng, 2022).

Debate 2 — Is the gender gap closing or structural? Aggregate SSA studies report durable gender disadvantage (Bashiru et al., 2023); Nigeria-specific microdata (and the 2024 Findex) suggest women can outpace men where agents and tiered KYC lower entry costs. The disagreement is less about facts than about levels of analysis and whether the residual gap is compositional (driven by education, income, internet) or intrinsic.

Debate 3 — Access versus use. Numerous studies show account opening does not equal sustained use; dormant accounts and cash-out dependence persist, especially among traders with daily liquidity needs (Barajas et al., 2020).

Gap Analysis

Four gaps justify this thesis. (1) Occupation-specific evidence is scarce: almost no published study isolates Nigerian market women; the literature proxies them with “women” or “informal traders.” (2) Regulation is rarely linked to microdata: documentary analyses of CBN frameworks and demand-side adoption studies run in parallel without integration. (3) The gender-blindness of regulation is unexamined: the corpus does not interrogate whether CBN rules are gender-neutral in design but gendered in effect. (4) Post-2020 Nigerian evidence is thin: the rapid PSB rollout and COVID-era digital acceleration are under-documented in peer-reviewed work.

Source-to-Research-Question Mapping

The adoption-determinants question is served by the mobile money and fintech adoption literature (Ahmad et al., 2020; Eshun & Kočenda, 2024; Siano et al., 2020). The gender and informal-economy question draws on the women’s financial inclusion and trader literatures (Dorfleitner & Nguyen, 2022; Hasan et al., 2022; Peter & Orser, 2024). The regulatory-framework question is grounded in CBN, agent-banking, and consumer-protection scholarship (Garz et al., 2021; Pénicaud & Katakam, 2019; Wezel & Ree, 2023). The outcome question (does adoption improve inclusion and empowerment?) is supported by empowerment and inclusion-impact studies (Dorfleitner & Nguyen, 2022; Hess et al., 2021). Together these strands support a mixed-methods design that pairs Findex microdata with CBN documentary analysis — precisely the configuration this thesis proposes.# References

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• Eshun, S. F., & Kočenda, E. (2024). Determinants of financial inclusion in sub-Saharan Africa and OECD countries. Borsa Istanbul Review, 25(1). https://doi.org/10.1016/j.bir.2024.11.004

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• Hasan, R., Ashfaq, M., Parveen, T., & Gunardi, A. (2022). Financial inclusion – does digital financial literacy matter for women entrepreneurs?. International Journal of Social Economics, 50(8). https://doi.org/10.1108/ijse-04-2022-0277

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The Impact of Financial Inclusion on Economic Growth, Poverty, Income Inequality, and Financial Stability in Asia

• Authors: Kusuma Ratnawati

• URL: https://doi.org/10.13106/jafeb.2020.vol7.no10.073

Mobile money system and market risk mitigation: an econometric case study of Kenya’s farm business

• Authors: Thabo J. Gopane

• URL: https://doi.org/10.1108/afr-05-2020-0071

Legal Aspects of Central Bank Digital Currency: Central Bank and Monetary Law Considerations

• Authors: Wouter Bossu, Masaru Itatani, Arthur Rossi

• URL: https://doi.org/10.5089/9781513561622.001

Mobile Banking: An Innovative Solution for Increasing Financial Inclusion in Sub-Saharan African Countries: Evidence from Nigeria

• Authors: Alfonso Siano, Lukman Raimi, Maria Palazzo, Mirela Panait

• URL: https://doi.org/10.3390/su122310130

Status of renewable energy resources for electricity supply in Ghana

• Authors: Bernard Aboagye, Samuel Gyamfi, Eric Antwi Ofosu, Siniša Djordjević

• URL: https://doi.org/10.1016/j.sciaf.2020.e00660

The Contribution of Cereal Grains to Food Security and Sustainability in Africa: Potential Application of UAV in Ghana, Nigeria, Uganda, and Namibia

• Authors: Dele Raheem, Moammar Dayoub, Rhoda Birech, Alice Nakiyemba

• URL: https://doi.org/10.3390/urbansci5010008

Informal mhealth at scale in Africa: Opportunities and challenges

• Authors: Kate Hampshire, Tawonga Mwase‐Vuma, Kassahun Alemu, Albert Abane, Alister Munthali, Tadesse Awoke, Simon Mariwah, Elita Chamdimba, Samuel Asiedu Owusu, Elsbeth Robson, Michele Castelli, Ziv Shkedy, Nicholas Shawa, Jane Abel, Adetayo Kasim

• URL: https://doi.org/10.1016/j.worlddev.2020.105257

Banking the Unbanked? Evidence from Three Countries

• Authors: Pascaline Dupas, Dean Karlan, Jonathan Robinson, Diego Ubfal

• URL: https://doi.org/10.1257/app.20160597

Deciphering the Liquidity and Credit Crunch 2007–2008

• Authors: Markus K. Brunnermeier

• URL: https://doi.org/10.1257/jep.23.1.77

Digital platforms for development: Foundations and research agenda

• Authors: Carla Bonina, Kari Koskinen, Ben Eaton, Annabelle Gawer

• URL: https://doi.org/10.1111/isj.12326

Going global – going digital. Diaspora networks and female online entrepreneurship in Khartoum, Sudan

• Authors: Griet Steel

• URL: https://doi.org/10.1016/j.geoforum.2021.01.003

Customer perception of adoption and use of digital financial services and mobile money services in Uganda

• Authors: Tapiwanashe James Museba, Edmore Ranganai, Gianfranco Gianfrate

• URL: https://doi.org/10.1108/jec-07-2020-0127

Marketing bank services to financially vulnerable customers: evidence from an emerging economy

• Authors: Emmanuel Mogaji, Ogechi Adeola, Robert Ebo Hinson, Nguyen Phong Nguyen, Arinze Christian Nwoba, Taiwo O. Soetan

• URL: https://doi.org/10.1108/ijbm-07-2020-0379

The Digital Divide Is a Human Rights Issue: Advancing Social Inclusion Through Social Work Advocacy

• Authors: Cynthia K. Sanders, Edward Scanlon

• URL: https://doi.org/10.1007/s41134-020-00147-9

Consumer Protection for Financial Inclusion in Low- and Middle-Income Countries: Bridging Regulator and Academic Perspectives

• Authors: Seth Garz, Xavier Giné, Dean Karlan, Rafe Mazer, Caitlin Sanford, Jonathan Zinman

• URL: https://doi.org/10.1146/annurev-financial-071020-012008

Gender disparities in financial inclusion in Tanzania

• Authors: Maureen Were, Maureen Odongo, Caroline Israel

• URL: https://doi.org/10.35188/unu-wider/2021/037-5

Financial inclusion and development in the least developed countries in Asia and Africa

• Authors: Antonella Francesca Cicchiello, Amirreza Kazemikhasragh, Stefano Monferrà, Alicia Girón

• URL: https://doi.org/10.1186/s13731-021-00190-4

How does financial literacy impact on inclusive finance?

• Authors: Morshadul Hasan, Thi Le, Ariful Hoque

• URL: https://doi.org/10.1186/s40854-021-00259-9

The Impact of the COVID-19 Pandemic on the Banking Sector

• Authors: Mihaela Roxana Marcu

• URL: https://doi.org/10.2478/mdke-2021-0015

Determinants of Financial Inclusion in Small and Medium Enterprises: Evidence from Ethiopia

• Authors: Betgilu Oshora, Goshu Desalegn, Éva Görgényi-Hegyes, Mária Fekete‐Farkas, Zoltán Zéman

• URL: https://doi.org/10.3390/jrfm14070286

Financial Inclusion, Women, and Building Back Better

• Authors: Jake Hess, Leora Klapper, Kathleen Beegle

• URL: https://doi.org/10.1596/35870

Financial Literacy in the Digital Age

• Authors: Razvan Ionescu

• URL: https://doi.org/10.22490/25392786.4958

Entrepreneurial Intention among Rural Youth in Moroccan Agricultural Cooperatives: The Future of Rural Entrepreneurship

• Authors: El Houssain Bouichou, Tahirou Abdoulaye, Khalil Allali, Abdelghani Bouayad, Aziz Fadlaoui

• URL: https://doi.org/10.3390/su13169247

Financial Inclusion in ASEAN Countries – A Gender Gap Perspective and Policy Prescriptions

• Authors: Lukman Raimi, Mirela Panait, Eglantina Hysa

• URL: https://doi.org/10.18662/lumproc/gekos2021/4

Frontier Markets and Sustainable Entrepreneurial Competences: An Exploratory Study of the Impact of a New Industry in Guatemala

• Authors: José Godinez, Denise Dunlap

• URL: https://doi.org/10.3390/su132011314

Financial Inclusion Paradigm Shift in the Postpandemic Period. Digital-Divide and Gender Gap

• Authors: Valentina Vasile, Mirela Panait, Simona Andreea Apostu

• URL: https://doi.org/10.3390/ijerph182010938

COVID-19 and the New Normal of Organizations and Employees: An Overview

• Authors: Aarthi Raghavan, Mehmet Akif Demircioğlu, Serik Orazgaliyev

• URL: https://doi.org/10.3390/su132111942

Innovation and uneven development: The challenge for low- and middle-income economies

• Authors: Raphael Kaplinsky, Erika Kraemer‐Mbula

• URL: https://doi.org/10.1016/j.respol.2021.104394

Service innovations in mobile banking for creating value for the poor in developing countries

• Authors: Aakanksha Gaur, Devendra Potnis

• URL: https://doi.org/10.1002/isd2.12209

Do Access to Finance, Technical Know-How, and Financial Literacy Offer Women Empowerment Through Women’s Entrepreneurial Development?

• Authors: Anselme Andriamahery, Md. Qamruzzaman

• URL: https://doi.org/10.3389/fpsyg.2021.776844

Impresi e-Payment dan Niat Berperilaku Baru Bagi Pemanfaatan Inklusi Keuangan Digital UMK

• Authors: Emmelia Tan, Dadang Heri Kusumah, Acin Damanik

• URL: https://doi.org/10.33370/jpw.v23i3.643

The Bucharest Stock Exchange: A Starting Point in Structuring a Valuable CSR Index

• Authors: Mirela Panait, Marian Cátálin Voica, Eglantina Hysa, Alfonso Siano, Maria Palazzo

• URL: https://doi.org/10.3390/jrfm15020094

The Lancet Nigeria Commission: investing in health and the future of the nation

• Authors: Ibrahim Abubakar, Sarah L Dalglish, Blake Angell, Olutobi Adekunle Sanuade, Ṣẹ̀yẹ Abímbọ́lá, Aishatu L. Adamu, Ifedayo Adetifa, Tim Colbourn, Afolabi Olaniyi Ogunlesi, Obinna Onwujekwe, Eme Owoaje, Iruka N. Okeke, Adebowale Adeyemo, Gambo Aliyu, Muktar H. Aliyu, Sani Aliyu, Emmanuel A. Ameh, Belinda Archibong, Alex Ezeh, Muktar A Gadanya, Chikwe Ihekweazu, Vivianne Ihekweazu, Zubairu Iliyasu, Aminatu Kwaku Chiroma, Diana Mabayoje, Mohammed Nasir Sambo, Stephen Obaro, Adesola Yinka-Ogunleye, Friday Okonofua, Tolu Oni, Olu Onyimadu, Muhammad Ali Pate, Babatunde Lawal Salako, Faisal Shuaib, Fatimah I. Tsiga-Ahmed, Fatima H Zanna

• URL: https://doi.org/10.1016/s0140-6736(21)02488-0

Mobile money, traditional financial services and firm productivity in Africa

• Authors: Maty Konté, Godsway Korku Tetteh

• URL: https://doi.org/10.1007/s11187-022-00613-w

Inclusión financiera en los países de la zona euro: una oportunidad para aumentar el bienestar social

• Authors: Mirela Panait, Valentina Vasile, Alfonso Siano, Maria Palazzo

• URL: https://doi.org/10.31908/eucp.62.c620

Financial Inclusion: What Have We Learned So Far? What Do We Have to Learn?

• Authors: Adolfo Barajas, Thorsten Beck, Mohammed Belhaj, Sami Ben Naceur

• URL: https://doi.org/10.5089/9781513553009.001

Fintech: Financial Inclusion or Exclusion?

• Authors: Yoke Wang Tok, Dyna Heng

• URL: https://doi.org/10.5089/9798400208645.001

Mobile Internet Technology Adoption for Sustainable Agriculture: Evidence from Wheat Farmers

• Authors: Nawab Khan, Ram L. Ray, Hazem S. Kassem, Shemei Zhang

• URL: https://doi.org/10.3390/app12104902

THE NEXUS OF FINANCIAL DEEPENING AND POVERTY: THE CASE OF BLACK SEA REGION ECONOMIES

• Authors: CHENGHUI LU, Azer Dilanchiev

• URL: https://doi.org/10.1142/s0217590822440064

WHAT IS THE RELATIONSHIP BETWEEN AGILE CAPABILITIES AND INNOVATION PROCESS?

• Authors: Bülent Akkaya, Anna Bagieńska

• URL: https://doi.org/10.3846/bm.2022.880

Enablers, Barriers and Impacts of Digital Financial Services: Insights from an Evidence Gap Map and Implications for Taxation

• Authors: Philip Mader, Maren Duvendack, Adrienne Lees, Aurélie Larquemin, Keir Macdonald

• URL: https://doi.org/10.19088/ictd.2022.008

Fintech Innovations in the Financial Service Industry

• Authors: Mansurali Anifa, Swamynathan Ramakrishnan, Shanmugan Joghee, Sajal Kabiraj, Malini Mittal Bishnoi

• URL: https://doi.org/10.3390/jrfm15070287

Advances in mobile financial services: a review of the literature and future research directions

• Authors: Aijaz A. Shaikh, Hawazen Alamoudi, Majed Alharthi, Richard Glavee-Geo

• URL: https://doi.org/10.1108/ijbm-06-2021-0230

Mobile money for women’s economic empowerment: the mediating role of financial management practices

• Authors: Gregor Dorfleitner, Quynh Anh Nguyen

• URL: https://doi.org/10.1007/s11846-022-00564-2

CSR Programs of Financial Institutions

• Authors: Mirela Panait, Lukman Raimi, Eglantina Hysa, Abiodun S. Isiaka

• URL: https://doi.org/10.4018/978-1-6684-2339-4.ch005

Corporate Social Responsibility in the Telecommunication Industry—Driver of Entrepreneurship

• Authors: Lukman Raimi, Mirela Panait, Adriana Grigorescu, Valentina Vasile

• URL: https://doi.org/10.3390/resources11090079

Can Mobile Payment Increase Household Income and Mitigate the Lower Income Condition Caused by Health Risks? Evidence from Rural China

• Authors: Weisong Qiu, Tieqi Wu, Peng Xue

• URL: https://doi.org/10.3390/ijerph191811739

The dark side of mobile money: Perspectives from an emerging economy

• Authors: Emmanuel Mogaji, Nguyen Phong Nguyen

• URL: https://doi.org/10.1016/j.techfore.2022.122045

Challenges hindering women entrepreneurship sustainability in rural livelihoods: Case of Manicaland province

• Authors: Rahabhi Mashapure, Brighton Nyagadza, Lovemore Chikazhe, Nothando Msipa, Grace Kuda Portia Ngorora, Aaram Gwiza

• URL: https://doi.org/10.1080/23311886.2022.2132675

Understanding Consumer Adoption of Mobile Banking: Extending the UTAUT2 Model with Proactive Personality

• Authors: Ashraf Hilal, Concepción Varela Neira

• URL: https://doi.org/10.3390/su142214708

FinTechs and financial inclusion—Balkan experience: Digital perspectives on financial markets

• Authors: Simona Andreea Apostu, Mirela Panait, Valentina Vasile, Gagan Deep Sharma, Răzvan Vasile

• URL: https://doi.org/10.1002/isd2.12257

Adapting emerging digital communication technologies for resilience: evidence from Nigerian SMEs

• Authors: Folajimi Ashiru, Franklin Nakpodia, Jacqueline Jing You

• URL: https://doi.org/10.1007/s10479-022-05049-9

Financial inclusion – does digital financial literacy matter for women entrepreneurs?

• Authors: Rashedul Hasan, Muhammad Ashfaq, Tamiza Parveen, Ardi Gunardi

• URL: https://doi.org/10.1108/ijse-04-2022-0277

Digital financial inclusion. Visualizing the academic literature

• Authors: María-Jesús Gallego-Losada, Antonio Montero, Elisa García-Abajo, Rocío Gallego Losada

• URL: https://doi.org/10.1016/j.ribaf.2022.101862

The Impact of Digital Financial Inclusion and Bank Competition on Bank Stability in Sub-Saharan Africa

• Authors: Tough Chinoda, Forget Mingiri Kapingura

• URL: https://doi.org/10.3390/economies11010015

The Promise of Fintech

• Authors: Ratna Sahay, Ulric von Allmen, Amina Lahrèche, Purva Khera, Sumiko Ogawa, Majid Bazarbash, Kimberly Beaton

• URL: https://doi.org/10.5089/9781513512242.087

Financial innovation and bank financial performance: Evidence from Nigerian deposit money banks

• Authors: Olawale Ashiru, Gift Balogun, Oluseun Paseda

• URL: https://doi.org/10.1016/j.resglo.2023.100120

The Impact of Green Investment, Eco-Innovation, and Financial Inclusion on Sustainable Development: Evidence from China

• Authors: Fengsheng Chien

• URL: https://doi.org/10.5755/j01.ee.34.1.32159

Dating Dilemma: Predicting the barriers to adoption of Online Dating Apps (ODAs) Applying Innovation Resistance Theory

• Authors: Aaliyah Siddiqui, Debarun Chakraborty, Mujahid Siddiqui

• URL: https://doi.org/10.1080/10496491.2023.2187001

Financing Sustainable Agriculture in Sub-Saharan Africa: A Review of the Role of Financial Technologies

• Authors: Olga Mapanje, S. Karuaihe, Charles Machethe, Mao Amis

• URL: https://doi.org/10.3390/su15054587

Nigeria—Fostering Financial Inclusion through Digital Financial Services

• Authors: Torsten Wezel, Jack Ree

• URL: https://doi.org/10.5089/9798400237195.018

The Policies, Practices, and Challenges of Digital Financial Inclusion for Sustainable Development: The Case of the Developing Economy

• Authors: Godfred Anakpo, Zizipho Xhate, Syden Mishi

• URL: https://doi.org/10.3390/fintech2020019

Drivers of Financial Inclusion: Insights from Sub-Saharan Africa

• Authors: Shani Bashiru, Alhassan Bunyaminu, Ibrahim Nandom Yakubu, Mamdouh Abdulaziz Saleh Al‐Faryan

• URL: https://doi.org/10.3390/economies11050146

Towards an encompassing concept of remittance in the digital era: Assessing the role of formal banking and mobile money accounting in its spatial flow

• Authors: Ibrahim Niankara, Rachidatou I. Traoret

• URL: https://doi.org/10.1016/j.joitmc.2023.100107

Attaining Sustainable Development Goals through Financial Inclusion: Exploring Collaborative Approaches to Fintech Adoption in Developing Economies

• Authors: Sagir Danladi, M. S. V. Prasad, Umar Muhammad Modibbo, Seyedeh Asra Ahmadi, Peiman Ghasemi

• URL: https://doi.org/10.3390/su151713039

Impact of Financial Technology, Banking Access on Financial Inclusion with mediating role of Financial Literacy

• Authors: Saad Ur Rehman

• URL: https://doi.org/10.47205/jdss.2023(4-ii)68

Digital finance and financial literacy: Evidence from Chinese households

• Authors: Junhong Yang, Yu Wu, Bihong Huang

• URL: https://doi.org/10.1016/j.jbankfin.2023.107005

Central Bank Digital Currency’s Role in Promoting Financial Inclusion

• Authors: Ashley Lannquist, Brandon Tan

• URL: https://doi.org/10.5089/9798400253331.063

DIGITAL TRANSFORMATION IN BANKING: A REVIEW OF NIGERIA’S JOURNEY TO ECONOMIC PROSPERITY

• Authors: Oluwaseun Augustine Lottu, Adekunle Abiola Abdul, Donald Obinna Daraojimba, A. Alabi, Adesola Adepeju John-Ladega, Chibuike Daraojimba

• URL: https://doi.org/10.51594/ijae.v5i8.572

A regulatory analysis of digital financial services and the adoptionof central bank digital currencies in Zimbabwe and South Africa

• Authors: Howard Chitimira, Elfas Torerai

• URL: https://doi.org/10.24818/tbj/2023/13/3.04

Determinants of financial inclusion among women-owned enterprises: a case study of the informal sector

• Authors: Faizan Khan Sherwani, Sanaa Zafar Shaikh, Shilpa Behal, Mohd Shuaib Siddiqui

• URL: https://doi.org/10.1108/agjsr-05-2023-0193

Women entrepreneurship and microfinance: implications on the mental well-being of informal traders in Lagos, Nigeria

• Authors: Aminat Olayinka Olohunlana, Ayodele Ibrahim Shittu, Oluyemi Theophilus Adeosun, Oluwaseyi Omowunmi Popogbe, Dapo Somod Olohunlana

• URL: https://doi.org/10.1108/jhass-06-2023-0065

Mobile Money and Banking Development in Sub-Saharan Africa

• Authors: Jonathan Tembo

• URL: https://doi.org/10.47743/saeb-2023-0036

REVIEW OF IT INNOVATIONS, DATA ANALYTICS, AND GOVERNANCE IN NIGERIAN ENTERPRISES

• Authors: Monisola Oladeinde, Azeez Olanipekun Hassan, Oluwatoyin Ajoke Farayola, Odunayo Josephine Akindote, Abimbola Oluwatoyin Adegbite

• URL: https://doi.org/10.51594/csitrj.v4i3.685

The impact of network coverage on adoption of Fintech and financial inclusion in sub-Saharan Africa

• Authors: Onkokame Mothobi, Kago Kebotsamang

• URL: https://doi.org/10.1186/s40008-023-00326-7

Determinants of Financial Inclusion among Women Petty Trader’s in Dodoma City

• Authors: Ester Ugulumu, Nestory Maguja, Oscar Mpasa

• URL: https://doi.org/10.59557/rpj.25.2.2023.37

FINANCIAL INCLUSION THROUGH TECHNOLOGY: A REVIEW OF TRENDS IN EMERGING MARKETS

• Authors: Titilola Falaiye, Oluwafunmi Adijat Elufioye, Kehinde Feranmi Awonuga, Chidera Victoria Ibeh, Funmilola Olatundun Olatoye, Noluthando Zamanjomane Mhlongo

• URL: https://doi.org/10.51594/ijmer.v6i2.776

Financial Inclusion and Its Ripple Effects on Socio-Economic Development: A Comprehensive Review

• Authors: Deepak Kumar Mishra, Vinay Kandpal, Naveen Agarwal, Barun Srivastava

• URL: https://doi.org/10.3390/jrfm17030105

THE ROLE OF AI IN FINANCIAL MARKET DEVELOPMENT: ENHANCING EFFICIENCY AND ACCESSIBILITY IN EMERGING ECONOMIES

• Authors: Nneka Adaobi Ochuba, Adetumi Adewumi, David Olanrewaju Olutimehin

• URL: https://doi.org/10.51594/farj.v6i3.969

The Effect of National Cultural Values on the Financial Inclusion: An International Perspective

• Authors: Ali Abdul Hussain Raji, Ashraf Hashim Faris Alabdoon, Ameer Saheb Shaker, Akeel Almagtome

• URL: https://doi.org/10.57125/fel.2024.06.25.04

The role of financial inclusion, technology innovation, energy and environmental degradation in determining sustainable growth in Asia

• Authors: Muhammad Azam, Shagufta Nawab, Ali Gohar

• URL: https://doi.org/10.1111/issj.12503

The sustainability and contribution of Generation Z influenced by hedonic and utilitarian values to use mobile money services for fee payment

• Authors: Afful Ekow Kelly

• URL: https://doi.org/10.1016/j.teler.2024.100145

How does cybersecurity awareness help in achieving digital financial inclusion in rural India under escalating cyber fraud scenario?

• Authors: Mohammed Afzal, Maryam Meraj, Manpreet Kaur, Mohd Shamim Ansari

• URL: https://doi.org/10.1080/23742917.2024.2347674

Financial Technology (Fintech) and the Performance of Firms in Nigeria

• Authors: Okoye Nonso John, Wisdom Okere, Ogechukwu Onyema, Ojiugo Chimdinma, Udeoba Udeoba, Catherine Ekenma, Adegbite Dorcas

• URL: https://doi.org/10.59781/1524neom

How does financial inclusion act as a catalyst for reducing financial crime among women?

• Authors: Tooba Akram, Muhammad Naveed, Suresh Ramakrishnan

• URL: https://doi.org/10.1108/jfc-02-2024-0058

Advancing the Digital Financial Inclusion of Youth

• Authors: OECD

• URL: https://doi.org/10.1787/21b829d8-en

The democratization of digital currency in Nigeria: A sentiment analysis of eNaira app usability

• Authors: Sunday Adewale Olaleye, Kwami Ahiabenu, Olugbenga Ayo Ojubanire

• URL: https://doi.org/10.1080/20421338.2024.2353934

The influence of fintech and financial knowledge on sustainable business success: exploring the mediating effect of financial accessibility in Indian

• Authors: Nenavath Sreenu

• URL: https://doi.org/10.1108/bij-12-2023-0875

Digitalisation, Banking Stability and Nigeria’s Economic Growth Trajectory

• Authors: Sunday Enebeli-Uzor

• URL: https://doi.org/10.9734/sajsse/2024/v21i7853

Financial crimes in Africa and economic growth: Implications for achieving sustainable development goals (SDGs)

• Authors: Kingsley Kofi Arthur, Simplice Asongu, Peter Darko, Marvin O. Ansah, Sampson Adom, Omega Hlortu

• URL: https://doi.org/10.1111/joes.12652

Upstarts vs incumbents: the interaction between fintech credit and bank lending in Sub-Saharan Africa

• Authors: Tafirei Mashamba, Shenaaz Gani

• URL: https://doi.org/10.1080/23322039.2024.2375643

Banking competition and financial inclusion: Evidence from Ethiopia

• Authors: David Fielding, Dereje Regasa

• URL: https://doi.org/10.1016/j.worlddev.2024.106733

Assessing The Effect of Digital Banking Services on Retail Banking Customers’ Satisfaction Levels in Lusaka’s Central Business District

• Authors: Yvonne Chibulu Mwababa, C. Hapompwe Chrine

• URL: https://doi.org/10.47191/jefms/v7-i7-74

Impact of digital finance services on women’s economic empowerment in Burkina Faso

• Authors: Salamata Loaba, Salimata Traoré, Eugéne Dimaviya Compaoré, Sugrinoma Aristide Ouédraogo

• URL: https://doi.org/10.1080/02692171.2024.2382089

Mobile fintech adoption in Sub-Saharan Africa: A systematic literature review and meta-analysis

• Authors: Lars Hornuf, Kulondwa Safari, Johannes Voshaar

• URL: https://doi.org/10.1016/j.ribaf.2024.102529

What are the Enablers and Impacts of Digital Financial Services? An Updated Evidence Gap Map

• Authors: Philip Mader

• URL: https://doi.org/10.19088/ictd.2024.064

Financial inclusion and household consumption behaviour in Ghana

• Authors: Eric Abokyi, Giulia Bettin

• URL: https://doi.org/10.1108/jfep-02-2024-0048

Women entrepreneurs in rural Nigeria: formal versus informal credit schemes

• Authors: Wuraola Peter, Barbara Orser

• URL: https://doi.org/10.1108/ijge-03-2023-0053

Extend UTAUT2 Model to Analyze User Behavior of China Construction Bank Mobile App

• Authors: Jianhua Jiang, Jianing Ma, Xiaoqing Huang, Jinping Zhou, Taibo Chen

• URL: https://doi.org/10.1177/21582440241287070

Defeating the Dark Sides of FinTech: A Regression-Based Analysis of Digitalization’s Role in Fostering Consumers’ Financial Inclusion in Central and Eastern Europe

• Authors: Mirela Panait, Simona Andreea Apostu, Iza Gigauri, Maria Giovanna Confetto, Maria Palazzo

• URL: https://doi.org/10.3390/risks12110178

Examining the impact of mobile money on financial inclusion in Sub-Saharan Africa: the role of institutions and governance

• Authors: Kwaku Kyei Gyamerah, Francis Kamewor Tetteh

• URL: https://doi.org/10.1108/samamj-08-2024-0048

Determinants of financial inclusion in sub-Saharan Africa and OECD countries

• Authors: Samuel Fiifi Eshun, Evžen Kočenda

• URL: https://doi.org/10.1016/j.bir.2024.11.004

Mobile banking services and financial inclusion among customers of commercial banks: Evidence from an emerging economy

• Authors: Musah Mohammed Saeed, Evans Donkoh

• URL: https://doi.org/10.1002/bsd2.70035

Integration of large language models in Nigeria’s healthcare: doctors early perspectives, operational barriers, and privacy concerns

• Authors: Chisom Adaobi Nri-Ezedi, Ugochukwu Stanley Ezidiegwu, Ijeoma Onyinyechukwu Ohuche, Sani Musa, Ugo N. Chikani, Ifeanyi O. Okonkwo, Chikodi Felicitas Anarado, Ezinne Ifeyinwa Nwaneli, Nnaemeka Izuchukwu Ulasi, Amaechi Chinedu Nwachukwu, Arinze Ejike Ulasi, Thomas Obiajulu Ulasi

• URL: https://doi.org/10.1007/s44250-024-00168-5

Socio-Economic Determinants of Digital Financial Inclusion in Kenya

• Authors: Naftaly Mose, Morris Gitonga, Michael Provide Fumey

• URL: https://doi.org/10.62049/jkncu.v5i1.186

The Implications of Online Banking on Financial Inclusion in Banking Institutions: A Literature Review

• Authors: Edison Gakuru, Akena Francis Adyanga, Johnson Ocan

• URL: https://doi.org/10.37284/ijfa.4.1.2594

The Evolution of Microfinance

• Authors: Joy Meme, Yahaya Alhassan, Lawrence Bellamy

• URL: https://doi.org/10.4018/979-8-3693-6622-6.ch001

The impact of Disclosing Digital Financial inclusion indicators through mobile banking on deposits, loans and sustainable growth rate

• Authors: Hamada Elsaid Elmaasrawy, Omar Ikbal Tawfik, Mohammed Ali Ahmed Almashikhi

• URL: https://doi.org/10.1080/23322039.2025.2457486

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• URL: https://doi.org/10.1108/jima-03-2025-0213

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• URL: https://doi.org/10.3390/fintech4030048

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• URL: https://doi.org/10.1080/713604647