References
- Bank of Ghana. (2019). Payment systems statistics-first half 2019. https://www.bog.gov.gh/wp-content/uploads/2019/10/Payment-Systems-Statistics-First-Half-2019-Table.pdf
- Bongomin, G. O. C., Munene, J. C., Ntayi, J. M., & Malinga, C. A. (2019). Collective action among rural poor: Does it enhance financial intermediation by banks for financial inclusion in developing economies? International Journal of Bank Marketing, 37(1), 20–43. https://doi.org/https://doi.org/10.1108/IJBM-08-2017-0174
- CGAP. (2008). Banking on mobiles: Why, how, for whom? In Focus note no.48. Consultative Group to Assist the Poor, 1—28.
- Charmaz, K., & Mitchell, R. (2001). Grounded theory in ethnography. In P. A. Atkinson, A. Coffey, S. Delamont, J. Lofland, & L. Lofland (Eds.), Handbook of ethnography (pp. 60–174). Sage Publications.
- Corbin, J., & Strauss, A. (1990). Grounded theory research: Procedures, canons, and evaluative criteria. Qualitative Sociology, 13(1), 3–21. https://doi.org/https://doi.org/10.1007/BF00988593
- Davison, R. M., & Martinsons, M. G. (2016). Context is king! Considering particularism in research design and reporting. Journal of Information Technology, 31(3), 241–249. https://doi.org/https://doi.org/10.1057/jit.2015.19
- Demirgüç-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. (2018). The global findex database 2017: Measuring financial inclusion and the FinTech revolution. World Bank.
- Disrupt Africa. (2019). Finnovating for Africa 2019: Reimagining the African financial services landscape. Disrupt Africa.
- Drummer, D., Feuerriegel, S., & Neumann, D. (2017). Crossing the next frontier: The role of ICT in driving the financialization of credit. Journal of Information Technology, 32(3), 218–233. https://doi.org/https://doi.org/10.1057/s41265-017-0035-9
- Glaser, B. G., & Strauss, A. (1967). The discovery of grounded theory: Strategies for qualitative research. Aldine Publishing.
- Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the FinTech revolution: Interpreting the forces of innovation, disruption, and transformation in financial services. Journal of Management Information Systems, 35(1), 220–265. https://doi.org/https://doi.org/10.1080/07421222.2018.1440766
- Gozman, D., Liebenau, J., & Mangan, J. (2018). The innovation mechanisms of FinTech start-ups: Insights from SWIFT’s innotribe competition. Journal of Management Information Systems, 35(1), 145–179. https://doi.org/https://doi.org/10.1080/07421222.2018.1440768
- Iman, N. (2018). Is mobile payment still relevant in the FinTech era? Electronic Commerce Research and Applications, 30, 72–82. https://doi.org/https://doi.org/10.1016/j.elerap.2018.05.009
- Jacobides, M. G., Cennamo, C., & Gawer, A. (2018). Towards a theory of ecosystems. Strategic Management Journal, 39(8), 2255–2276. https://doi.org/https://doi.org/10.1002/smj.2904
- Karanasios, S., & Slavova, M. (2019). How do development actors do “ICT for development”? A strategy-as-practice perspective on emerging practices in Ghanaian agriculture. Information Systems Journal, 29(4), 888–913. https://doi.org/https://doi.org/10.1111/isj.12214
- Klein, H., & Myers, M. (1999). A set of principles for conducting and evaluating interpretive field studies in information systems. MIS Quarterly, 23(1), 67–93. https://doi.org/https://doi.org/10.2307/249410
- Lagna, A., & Ravishankar, M. N. (2021). Making the world a better place with FinTech research. Information Systems Journal, 1–42. https://doi.org/https://doi.org/10.1111/isj.12333
- Lee, I., & Shin, Y. J. (2018). FinTech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35–46. https://doi.org/https://doi.org/10.1016/j.bushor.2017.09.003
- Leong, C., Tan, B., Xiao, X., Tan, F., & Sun, Y. (2017). Nurturing a FinTech ecosystem: The case of a youth microloan startup in China. International Journal of Information Management, 37(2), 92–97. https://doi.org/https://doi.org/10.1016/j.ijinfomgt.2016.11.006
- Muthukannan, P., Tan, B., Gozman, D., & Johnson, L. (2020). The emergence of a FinTech ecosystem: A case study of the Vizag FinTech valley in India. Information and Management, 57(8), 103385. https://doi.org/https://doi.org/10.1016/j.im.2020.103385
- Oborn, E., Barrett, M., Orlikowski, W., & Kim, A. (2019). Trajectory dynamics in innovation: Developing and transforming a mobile money service across time and place. Organization Science, 30(5), 1097–1123. https://doi.org/https://doi.org/10.1287/orsc.2018.1281
- Oshodin, Osemwonyemwen; Molla, Alemayehu; Karanasios, Stan; and Ong, Chin Eang, “How do FinTech Start-ups Develop Capabilities? Towards a FinTech Capability Model” (2019). Pacific Asis Confernece on Information Systems (PACIS) 2019 Proceedings. 59. https://aisel.aisnet.org/pacis2019/59
- Senyo, P. K., & Karanasios, S. (2020). How do FinTech firms address financial inclusion? International Conference on Information Systems. https://aisel.aisnet.org/icis2020/societal_impact/societal_impact/7
- Senyo, P. K., Liu, K., & Effah, J. (2019). Digital business ecosystem: Literature review and a framework for future research. International Journal of Information Management, 47, 52–64. https://doi.org/https://doi.org/10.1016/j.ijinfomgt.2019.01.002
- Senyo, P. K., & Osabutey, E. L. C. (2020). Unearthing antecedents to financial inclusion through FinTech innovations. Technovation, 98, 102155. https://doi.org/https://doi.org/10.1016/j.technovation.2020.102155
- Senyo, P. K., Osabutey, E. L. C., & Seny Kan, A. K. (2020). Pathways to improving financial inclusion through mobile money: A fuzzy set qualitative comparative analysis. In Information Technology & People. https://doi.org/https://doi.org/10.1108/ITP-06-2020-0418
- Urquhart, C. (2016). Grounded theory. The International Encyclopedia of Communication Theory and Philosophy 4, (pp. 781—794). John Wiley & Sons. Chicago.
- Walsham, G., & Sahay, S. (2006). Research on information systems in developing countries: Current landscape and future prospects. Information Technology for Development, 12(1), 7–24. https://doi.org/https://doi.org/10.1002/itdj.20020
- World Bank. (2018). Financial inclusion: Financial inclusion is a key enabler to reducing poverty and boosting prosperity. https://www.worldbank.org/en/topic/financialinclusion/overview