Mobile Money Adoption and Financial Inclusion Objectives: A Macroeconomic Approach through a Cluster Analysis

Maëlle Della Peruta

No 2015-49, GREDEG Working Papers from Groupe de REcherche en Droit, Economie, Gestion (GREDEG CNRS), Université Côte d'Azur, France

Abstract: This paper investigates the adoption patterns of Mobile Money in emerging and developing countries. Starting from macroeconomic comparative and case studies realised by practitioners experts, this paper proposes a wider macroeconomic approach based on cluster analysis as an alternative strategy for assessing similarity in adoption levels. By anchoring observations from previous studies in innovation adoption and diffusion theories, this article evaluates dissimilarity between groups of countries sharing the same adoption levels. Since the results matches with hypotheses from the innovation adoption and diffusion literature, this analysis nuances the potential of Mobile Money as an inclusive financial tool fighting banking exclusion.

Keywords: Complementary currencies; scar effect; employability; mutual credit (search for similar items in EconPapers)
JEL-codes: E03 G00 O33 O35 (search for similar items in EconPapers)
Pages: 32 pages
Date: 2015-12
New Economics Papers: this item is included in nep-ban, nep-ino and nep-mon
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (3)

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Persistent link: https://EconPapers.repec.org/RePEc:gre:wpaper:2015-49

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