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Student
Title
Supervisor
Faculty
Educational Programme
Final Grade
Year of Graduation
Liudmila Konovalova
The Impact of Mobile Money Technologies on Financial Inclusion in Sub-Saharan Africa
2018
The given paper addresses the topic of the role of mobile money technologies and their impact on the increase of financial inclusion rate in the region of Sub-Saharan Africa (SSA). It investigates the range of issues related to mobile money services operation and development in SSA. Due to modern trends demonstrating fast development of the region in the context of mobile engagement and new financial and digital technologies adoption in the framework of African Fintech revolution, the issue gains high topicality and calls for detailed observation. What is more, some questions of socio-economic development of the region and solving the burning issues with the help of new technologies provided by mobile money services are discussed in the paper.

The paper contains the range of forms of analysis devoted to several aspects of mobile money technologies, including the issue of the ecosystem, in which these technologies operate and develop, shaped by the set of internal and external factors influencing the process. Following the research hypothesis, stating the importance of mobile money technologies for boosting financial inclusion, the regression analysis conducted for the whole region of SSA is also performed in the work. The most widely used mobile money services are revealed for differently financially included groups of population as well.

Besides, the topic of mobile money adoption in different countries of the region and their relative efficiency is raised in the paper. As the results of conducted analysis prove the leading position of Kenya in this sphere, the case of the country with examination of its major telecom Safaricom and successful mobile money platform – M-Pesa is provided. It illustrates the well-suiting business model’s development and realization, and demonstrates the influence of provided services on socio-economic development of the country via boosting its financial inclusion.

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