References
- Anthony, D., and K. D. Mutalemwa. 2014. “Factors Influencing the Use of Mobile Payments in Tanzania: Insights from Zantel’s Z-pesa1 Services.” The Journal of Language, Technology and Entrepreneurship in Africa (JOLTE) 5 (2): 69–90.
- Beck, T., A. Demirguc-Kunt, and P. Honahan. 2009. “Access to Financial Services: Measurement, Impact, and Policies.” The World Bank Research Observer 24(1). Washington, DC: Oxford University Press.
- Blumenstock, J. E., M. Callen, T. Ghani, and L. Koepke. 2015. “Promises and Pitfalls of Mobile Money in Afghanistan: Evidence from a Randomized Control Trial.” Proceedings of the Seventh International Conference on Information and Communication Technologies and Development, 1–10. Singapore: Association for Computing Machinery.
- Bongomin, C. O. G., and C. J. Munene. 2019. “Financial Inclusion of the Poor in Developing Economies in the Twenty-First Century: Qualitative Evidence from Rural Uganda.” Journal of African Business. doi:https://doi.org/10.1080/15228916.2019.1646601.
- EIB. 2017. “Banking in Sub-Saharan Africa Interim Report on Digital Financial Inclusion.” https://www.eib.org/attachments/efs/economic_report_banking_africa_interim_2017_en.pdf.
- Ghana Statistical Service. 2014. 2010 Population and Housing Census: District Analytical Report. Sunyani West District. http://www2.statsghana.gov.gh/docfiles/2010_District_Report/Brong%20Ahafo/Sunyani%20West.pdf.
- Grimme, R. S. 2016. “How Understanding People Differs from Understanding the Natural World.” Philosophical Issues 26 (1): 209–225.
- Klapper, L., M. El-Zoghbi, and J. Hess. 2016. Achieving the Sustainable Development Goals: The Role of Financial Inclusion. Washington, DC: CGAP.
- Mattern, M. 2018. “How Ghana became one of Africa’s Top Mobile Money Markets.” https://www.cgap.org/blog/how-ghana-became-one-africas-top-mobile-money-markets.
- McKay, C., and M. Pickens. 2010. Branchless Banking 2010: Who’s Served? At What Price? What’s Next? Washington, DC: CGAP.
- Meyer, J. 2011. “Workforce Age and Technology Adoption in Small and Medium-Sized Service Firms.” Small Business Economics 37 (305): 305–324. doi:https://doi.org/10.1007/s11187-009-9246-y.
- Munyegera, G. K., and T. Matsumoto. 2016. “Mobile Money, Remittances, and Household Welfare: Panel Evidence from Rural Uganda.” World Development 79: 127–137.
- Nan, W., X. Zhu, and L. M. Markus. 2020. “What We Know and Don’t Know About the Socioeconomic Impacts of Mobile Money in Sub-Saharan Africa: A Systematic Literature Review.” The Electronic Journal of Information Systems in Developing Countries, e12155. doi:https://doi.org/10.1002/isd2.12155.
- Ozyurt, S. 2019. “Ghana is Now the Fastest-Growing Mobile Money Market in Africa.” https://qz.com/africa/1662059/ghana-is-africas-fastest-growing-mobile-money-market/.
- Riley, E. 2018. “Mobile Money and Risk Sharing Against Village Shocks.” Journal of Development Economics 135: 43–58.
- Ruh, C. 2017. “The Impact of Mobile Money on Savings in Sub-Saharan Africa.” https://dlib.bc.edu/islandora/object/bc-ir:107394/datastream/PDF/view.
- Suri, T., and W. Jack. 2016. “The Long-Run Poverty and Gender Impacts of Mobile Money.” Science 354 (6317): 1288–1292.
- Tiwari, J., E. Schaub, and N. Sultana. 2019. “Barriers to “Last Mile” Financial Inclusion: Cases from Northern Kenya.” Development in Practice 29 (8): 988–1000.
- Tobbin, P. E. 2010. “Modeling Adoption of Mobile Money Transfer: A Consumer Behaviour Analysis.” Paper Presented at the 2nd International Conference on Mobile Communication Technology for Development, Kampala.
- UNCDF. 2018. “Ending Poverty Through Digital Financial Inclusion.” https://btca-prod.s3.amazonaws.com/documents/347/english_attachments/BTC_SDG_1.pdf?1537 627289.
- UNDP. 2008. “Linking Traditional Banking With Modern Finance: Barclays Microbanking – Susu Collectors Initiative.” http://www.growinginclusivemarkets.org/media/cases/Ghana_Susu%20Collectors_2008.pdf.
- Wang, X., and J. Guan. 2017. “Financial Inclusion: Measurement, Spatial Effects and Influencing Factors.” Applied Economics 49 (18): 1751–1762.
- Wanyonyi, W. 2013. “Influence of Mobile Money Transfer Services on the Performance of Micro Enterprises in Kitale Municipality.” International Journal of Academic Research in Business and Social Sciences 3 (5): 500–517.
- World Bank. 2015. The World Bank Group A to Z. Washington, DC: World Bank.
- Yu, S., and S. Ibtasam. 2018. “A Qualitative Exploration of Mobile Money in Ghana.” Proceedings of the 1st ACM SIGCAS Conference on Computing and Sustainable Societies, 1–10. San Jose, CA: Association for Computing Machinery. doi:https://doi.org/10.1145/3209811.3209863