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Mobile money and household consumption volatility

Mobile money et volatilité de la consommation des ménages

Ablam Estel Apeti ()
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Ablam Estel Apeti: CERDI - Centre d'Études et de Recherches sur le Développement International - IRD - Institut de Recherche pour le Développement - CNRS - Centre National de la Recherche Scientifique - UCA - Université Clermont Auvergne

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Abstract: Access to financial services plays an important role in household welfare, as it provides access to investment opportunities, savings, consumption smoothing, and insurance against unexpected shocks. In developing economies where formal financial services exclude nearly half of the population, the development of mobile cellular offers an exciting avenue to provide poor households with access to basic financial services through mobile money. In this study, we analyze the effect of this financial innovation, i.e., mobile money, on household consumption volatility. Our results show that mobile money reduces household consumption volatility. Finally, we identify financial inclusion and migrant remittances as potential major transmission channels.

Keywords: Mobile money services; Mobile money; Volatilité; Pays en dévelopement; Consommation des ménages (search for similar items in EconPapers)
Date: 2022-11-10
New Economics Papers: this item is included in nep-ban, nep-fle, nep-mfd and nep-pay
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Published in 2022

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