dc.contributor.author | Shaikh, Aijaz, A. | |
dc.contributor.author | Glavee-Geo, Richard | |
dc.contributor.author | Karjaluoto, Heikki | |
dc.contributor.author | Hinson, Robert Ebo | |
dc.date.accessioned | 2022-11-29T08:40:54Z | |
dc.date.available | 2022-11-29T08:40:54Z | |
dc.date.issued | 2023 | |
dc.identifier.citation | Shaikh, A., Glavee-Geo, R., Karjaluoto, H., & Hinson, R. E. (2023). Mobile money as a driver of digital financial inclusion. <i>Technological Forecasting and Social Change</i>, <i>186</i>, Article 122158. <a href="https://doi.org/10.1016/j.techfore.2022.122158" target="_blank">https://doi.org/10.1016/j.techfore.2022.122158</a> | |
dc.identifier.other | CONVID_160398661 | |
dc.identifier.uri | https://jyx.jyu.fi/handle/123456789/84123 | |
dc.description.abstract | Meeting the mobile money needs of the less privileged in developing and emerging markets opens up enormous possibilities for banks and newly emerged financial-technology firms. Many consider mobile money services a separate domain within the banking and payment sector, different from its siblings: automated teller machines, net banking, point-of-sale banking, etc. This study was conducted to investigate how mobile money services act as a reliable driver of digital financial inclusion and to determine the role of mobile money agents in the transformation from the traditional services to mobile money services. This paper presents a conceptual model based on the stimulus-organism-response paradigm. We propose that the mobile money agent characteristics are the stimuli, that the mobile money customer is the organism, and that the response of the organism to the stimuli is continuous usage, which leads to financial inclusion in the developing country of Ghana. The continuous usage of mobile money services by customers encourages more engagement experiences and advocacy intentions. We provide empirical evidence suggesting that mobile money agent credibility and service quality stimulate customer empowerment. Furthermore, we argue that for the less financially empowered customer segment, mobile money agent credibility provides the needed impetus for the continuous usage of mobile money services. | en |
dc.format.mimetype | application/pdf | |
dc.language.iso | eng | |
dc.publisher | Elsevier | |
dc.relation.ispartofseries | Technological Forecasting and Social Change | |
dc.rights | CC BY 4.0 | |
dc.subject.other | stimulus-organism-response theory | |
dc.subject.other | empowerment | |
dc.subject.other | mobile money agent | |
dc.subject.other | mobile money technology | |
dc.subject.other | continuous usage | |
dc.subject.other | Africa | |
dc.title | Mobile money as a driver of digital financial inclusion | |
dc.type | article | |
dc.identifier.urn | URN:NBN:fi:jyu-202211295398 | |
dc.contributor.laitos | Kauppakorkeakoulu | fi |
dc.contributor.laitos | School of Business and Economics | en |
dc.contributor.oppiaine | Markkinointi | fi |
dc.contributor.oppiaine | Digitaalinen liiketoiminta ja talous (painoala) | fi |
dc.contributor.oppiaine | Digital marketing and Communication | fi |
dc.contributor.oppiaine | Hyvinvoinnin tutkimuksen yhteisö | fi |
dc.contributor.oppiaine | Marketing | en |
dc.contributor.oppiaine | Digital Business and Economy (focus area) | en |
dc.contributor.oppiaine | Digital marketing and Communication | en |
dc.contributor.oppiaine | School of Wellbeing | en |
dc.type.uri | http://purl.org/eprint/type/JournalArticle | |
dc.type.coar | http://purl.org/coar/resource_type/c_2df8fbb1 | |
dc.description.reviewstatus | peerReviewed | |
dc.relation.issn | 0040-1625 | |
dc.relation.volume | 186 | |
dc.type.version | publishedVersion | |
dc.rights.copyright | © 2022 The Authors. Published by Elsevier Inc | |
dc.rights.accesslevel | openAccess | fi |
dc.subject.yso | mobiilimaksaminen | |
dc.subject.yso | sähköiset palvelut | |
dc.subject.yso | pankit | |
dc.subject.yso | voimaantuminen | |
dc.subject.yso | käyttö | |
dc.format.content | fulltext | |
jyx.subject.uri | http://www.yso.fi/onto/yso/p39194 | |
jyx.subject.uri | http://www.yso.fi/onto/yso/p23542 | |
jyx.subject.uri | http://www.yso.fi/onto/yso/p1099 | |
jyx.subject.uri | http://www.yso.fi/onto/yso/p24516 | |
jyx.subject.uri | http://www.yso.fi/onto/yso/p1736 | |
dc.rights.url | https://creativecommons.org/licenses/by/4.0/ | |
dc.relation.doi | 10.1016/j.techfore.2022.122158 | |
dc.type.okm | A1 | |