What question did this study set out to answer?

This research aims to investigate the impact of mobile money on financial inclusion specifically in Ghana.

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April 14, 2026Open Access

Mobile Money and Financial Inclusion in Sub-Saharan Africa: Beyond M-Pesa: An Empirical Investigation

Key Points

This research aims to investigate the impact of mobile money on financial inclusion specifically in Ghana.
Utilized a mixed methods study design combining qualitative and quantitative approaches.
Focused on the institutional and theoretical dynamics relevant to the African context.
Examined existing literature on mobile money and financial inclusion.
Identified significant effects of mobile money on improving access to financial services.
Highlighted specific institutional and policy factors that contribute to financial inclusion.

Abstract

This article examines Mobile Money and Financial Inclusion in Sub-Saharan Africa: Beyond M-Pesa: An Empirical Investigation with a focused emphasis on Ghana within the field of Sociology. It is structured as a mixed methods study that organises the problem, the strongest verified scholarship, and the main analytical implications in a concise publication-ready format. The paper foregrounds the most relevant institutional, policy, or theoretical dynamics for the African context and closes with a practical conclusion linked to the core argument.

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