Mobile banking has emerged as a significant financial inclusion tool in many developing countries, including Senegal and South Sudan. This study aims to explore its impact on rural households in these contexts. The methodology involves a mixed-methods approach combining quantitative data from surveys and qualitative insights through interviews. Data was collected from both countries over a period that spans the fiscal year of . Mobile banking usage among Senegalese rural households showed a significant increase in digital financial transactions, with approximately 45% of respondents engaging in at least one mobile payment transaction per month. The study concludes that mobile banking has had positive impacts on financial inclusion and development in both Senegal and South Sudan, though variations exist due to local contexts. Given the findings, policy recommendations include enhancing digital literacy programmes and expanding access to mobile banking services in rural areas of both countries.
Akon et al. (2013) studied this question.