Synapse
⌘+K
Synapse
PulseExploreClubsResearchersJournals
Instagram
HomeClubsExplore
July 8, 2026EconomiesOpen Access

Mobile Money Adoption and Bank Credit Growth: Evidence from Sub-Saharan Africa

View Full Paper
Ask AI
Bookmark
Share

Authors

JMJustice MundondeUniversity of South AfricaPMPatricia Lindelwa MakoniUniversity of South Africa

Discussion

Loading...

Member takes

Implication

Quantitative research investigates mobile money's effect on bank credit in Sub-Saharan Africa, indicating positive growth implications.

Key Points

  • This study aims to explore how mobile money adoption influences bank credit growth in Sub-Saharan Africa.
  • Quantitative research design employed for analysis.
  • Panel Autoregressive Distributed Lag-Pooled Mean Group (ARDL-PMG) model used on annual data from 2012 to 2024.
  • Control variables included gross domestic product, inflation rate, trade openness, and political stability.
  • Mobile money adoption positively influences bank credit growth in Sub-Saharan Africa over the long term.
  • Control variables significantly affect the growth of bank credit to the private sector in the region.
  • Policy recommendations include enhancing interoperability between mobile money and banks.

Cite This Study

Mundonde et al. (2026) studied this question.

synapsesocial.com/papers/6a4de8ebd2ea289ef6283702https://doi.org/10.3390/economies14070256
View Full Paper
Ask AI
Bookmark
Share

Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Public private partnerships and water and sanitation infrastructure development in Zimbabwe: what determines financing?2023 · 14 citations
  2. 2Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology1989 · 68,121 citations
  3. 3Determinants of private sector credit in Uganda: the role of mobile money2016 · 31 citations
  4. 4The Geographic Flow of Bank Funding and Access to Credit: Branch Networks, Synergies, and Local Competition2025 · 16 citations
  5. 5Public Debt and Economic Growth Nexus in the Euro Area: A Dynamic Panel ARDL Approach2020 · 19 citations