What question did this study set out to answer?

The research aims to assess the impact of mobile banking on financial inclusion in East Africa, particularly in Nigeria.

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April 15, 2026Open Access

Financial Inclusion and Mobile Banking in East Africa: M-Pesa, Equity Bank, and Beyond: Lessons from the COVID-19 Pandemic

Key Points

The research aims to assess the impact of mobile banking on financial inclusion in East Africa, particularly in Nigeria.
Conducted survey research to gather data on mobile banking usage.
Analyzed institutional and policy dynamics relevant to the African context.
Reviewed existing scholarship on financial inclusion.
Identified key factors that promote financial inclusion through mobile banking.
Highlighted the effectiveness of M-Pesa and Equity Bank's strategies during the pandemic.
Provided insights into the implications for policy-making in the financial sector.

Abstract

This article examines Financial Inclusion and Mobile Banking in East Africa: M-Pesa, Equity Bank, and Beyond: Lessons from the COVID-19 Pandemic with a focused emphasis on Nigeria within the field of African Studies. It is structured as a survey research article 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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