Format du dépôt |
Fichier |
Type de dépôt |
Article dans une revue |
Résumé |
en
The wide use of mobile phones is increasing low-income individuals' access to a large range of services. One of these services is mobile banking (m-banking). Today, m-banking represents a key vector of financial inclusion in many countries in Sub-Saharan Africa, especially in Senegal. Based on technology adoption theories applied to households in developing countries, this paper studies the determinants of the adoption and use of m-banking. We distinguish between possession or adoption from actual use of m-banking and examine the interdependence between these two decisions by using a Heckman sample selection model, through a sample of 1052 individuals in the suburbs of Dakar. Our main results are that the two decisions (adoption and use) are not independent from each other. Individual characteristics, such as education, possession of a bank account, and family network effects, are determinants of the adoption, and age, gender, and being a member of a tontine are determinants of the use. A major result of this study concerns women's low propensity to adopt m-banking because of their low levels of education. However, compared with men, when women adopt m-banking, they have a stronger propensity to use it.
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Titre |
en
Adoption and use of mobile banking by low-income individuals in Senegal
|
Auteur(s)
|
François-Seck Fall
1
, Luis Orozco
1
, Al‐mouksit Akim
2, 3
1
LEREPS -
Laboratoire d'Etude et de Recherche sur l'Economie, les Politiques et les Systèmes Sociaux
( 82639 )
- 2 Rue du Doyen-Gabriel-Marty 31042 Toulouse
- France
-
Université Toulouse Capitole EA4212 ( 81148 )
;
-
Université de Toulouse ( 443875 )
;
-
Université Toulouse - Jean Jaurès ( 116256 )
;
-
Université de Toulouse ( 443875 )
;
-
Institut d'Études Politiques [IEP] - Toulouse ( 300257 )
;
-
École Nationale Supérieure de Formation de l'Enseignement Agricole de Toulouse-Auzeville ( 301788 )
2
World Bank Group
( 419331 )
- 1818 H Street, NW Washington, DC 20433 USA
- États-Unis
3
LEDA-DIAL -
Développement, Institutions et Modialisation
( 153208 )
- Université Paris-Dauphine Place du Mal de Lattre de Tassigny 75775 Paris Cedex 16
- France
-
Laboratoire d'Economie de Dauphine ( 559342 )
;
-
Institut de Recherche pour le Développement UMR260 ( 67872 )
;
-
Université Paris Dauphine-PSL ( 300302 )
;
-
Université Paris Sciences et Lettres ( 564132 )
;
-
Centre National de la Recherche Scientifique UMR8007 ( 441569 )
|
Volume |
24
|
Numéro |
2
|
Page/Identifiant |
569-588
|
Langue du document |
Anglais
|
Nom de la revue |
|
Vulgarisation |
Non
|
Comité de lecture |
Oui
|
Audience |
Internationale
|
Date de publication |
2020
|
Date de publication électronique |
2020-03-12
|
Projet(s) ANR |
|
Mots-clés (JEL) |
-
C - Mathematical and Quantitative Methods/C.C8 - Data Collection and Data Estimation Methodology • Computer Programs/C.C8.C83 - Survey Methods • Sampling Methods
-
D - Microeconomics/D.D1 - Household Behavior and Family Economics/D.D1.D14 - Household Saving • Personal Finance
-
O - Economic Development, Innovation, Technological Change, and Growth/O.O1 - Economic Development/O.O1.O12 - Microeconomic Analyses of Economic Development
-
O - Economic Development, Innovation, Technological Change, and Growth/O.O3 - Innovation • Research and Development • Technological Change • Intellectual Property Rights/O.O3.O33 - Technological Change: Choices and Consequences • Diffusion Processes
-
O - Economic Development, Innovation, Technological Change, and Growth/O.O5 - Economywide Country Studies/O.O5.O55 - Africa
|
Domaine(s) |
-
Sciences de l'Homme et Société/Economies et finances
|
Mots-clés |
en
Mobile banking, mobile technologies, technology adoption, financial inclusion, individual characteristics, Senegal
|
DOI |
10.1111/rode.12658 |