The Research Brief

📄 Research Brief 🎓 Thesis 🔀 Mixed Methods 📝 APA 7th Edition ⏱ Last 5 years

Mobile Money Adoption and Financial Inclusion Among Nigerian Market Women

Rationale

Nigerian market women constitute a large, economically active but historically underserved segment of the informal economy. Mobile money and agent banking are widely regarded as the most viable pathways to formal financial inclusion for low-income and informal traders, yet adoption among this group remains uneven and is shaped by a combination of individual, socio-economic, and regulatory factors. This mixed-methods study investigates the determinants and outcomes of mobile money adoption among Nigerian market women using nationally representative Global Findex microdata (quantitative strand) alongside a documentary analysis of the Central Bank of Nigeria's regulatory framework for mobile payments, mobile money, agent banking, and payment service banks (qualitative strand). The study contributes empirical evidence on the gender and informal-economy dimensions of financial inclusion and offers policy-relevant insights for regulatory design aimed at reaching underserved market women.

Strategy Parameters

Citation Style: APA Style 7th Edition
Timeframe: Last 5 years
Document Type: Thesis
Methodological Approach: Mixed Methods

Focus Areas

mobile money adoption
financial inclusion
Nigerian market women
gender and digital financial services
informal economy and women traders
Central Bank of Nigeria regulatory framework
agent banking and mobile payments

Produced by Professor Solaa in conversation with the researcher. This brief is the hard gate for the study: no colleague works without it, and every output shown in the showcase descends from the parameters set here.