283
Views
2
CrossRef citations to date
0
Altmetric
Pages 1020-1035 | Received 10 Mar 2020, Accepted 18 May 2021, Published online: 30 Dec 2021

References

  • Abubakar, M. 2018. Mobile Money Use Drops by Shs 672 Billion in Two Weeks. Kampala, Uganda: Monitor Publications.
  • Abor, J., and P. Quartey. 2010. “Issues in SME Development in Ghana and South Africa.” International Research Journal of Finance and Economics 39 (6): 215–228.
  • ACCION. 2011. Centre for Financial Inclusion, Financial Inclusion: What’s the Vision? What Would it Take for Mexico to Achieve Full Inclusion by the Year 2020? Washington, DC: ACCION International.
  • Aguinis, H., J. C. Beaty, R. J. Boik, and C. A. Pierce. 2005. “Effect Size and Power in Assessing Moderating Effects of Categorical Variables using Multiple Regression: A 30-year Review." Journal of Applied Psychology 90 (1): 94–107.
  • Aker, J., and I. Mbiti. 2010. “Mobile Phones and Economic Development in Africa.” Journal of Economic Perspectives 24 (3): 207–232. doi:10.1257/jep.24.3.207.
  • Alliance for Financial Inclusion – AFI. 2010. “G20 Principles for Innovative Financial Inclusion.” Accessed 15 July 2017. www.gpfi.org/sites/default/files/documents/G2020Principles20for20Innovative20Financial20Inclusion20-20AFI20brochure.pdf.
  • Anderson, J. C., and D. W. Gerbing. 1988. “Structural Equation Modeling in Practice: A Rreview and Recommended Two-step Approach.” Psychological Bulletin 103 (3): 411–423.
  • Anderson, L. B. 2015. “Changing the Story of Retirement: How AARP Utilizes a Strategic Narrative to Advocate for the Aging Workforce.” Public Relations Review 41 (3): 357–364. doi:10.1016/j.pubrev.2015.02.004.
  • Babbie, E., and J. Monton. 2002. The Practice of Social Research. Cape Town: Oxford University Press.
  • Bagozzi, R. P., and Y. Yi. 1988. “On the Evaluation of Structural Equation Model.” Journal of Academy of Marketing Science 16 (1): 74–94.
  • Baron, R. M., and D. A. Kenny. 1986. “The Moderator-mediator Variable Distinction in Social Psychological Research: Conceptual, Strategic, and Statistical Considerations.” Journal of Personality and Social Psychology 51 (6): 1173–1182.
  • Beck, T., A. Demirgüç-Kunt, and P. Martinez. 2008. Bank Financing for SMEs Around the World: Drivers, Obstacles, Business Models and Lending Practices. Washington, D.C: The World Bank.
  • Berger, A. N., and G. Udell. 2006. “A More Complete Conceptual Framework for SME Finance.” Journal of Banking and Finance 30 (11): 2945–2966.
  • Barooah, P., S. Sahoo, S., Bhat, and D. George. 2018. Closing the Gender Gap: Opportunities for the Women's Mobile Financial Services Market in Bangladesh. Washington, DC: International Finance Corporation. https://openknowledge.worldbank.org/handle/10986/30189.
  • Carlin, B., Olafsson, A., and Pagel, M. 2019. “Generational Differences in Managing Personal Finances.” AEA Papers and Proceedings 2019, 109: 54–59. doi:10.1257/pandp.20191011.
  • CGAP. 2015. Doing Digital Finance Right: The Case for Stronger Mitigation of Consumer Risks. Washington DC: Consultative Group to Assist the Poor. www.cgap.org/sites/default/files/Focus-Note-Doing-DigitalFinance-Right-Jun-2015.pdf.
  • Chin, W. W. 1998.“The Partial Least Squares Approach for Structural Equation Modeling.” In Modern Methods for Business Research, edited by G. A. Marcoulides, 295–336. London: Lawrence Erlbaum Associates.
  • Chin, W. W. 2000. “Frequently Asked Questions – Partial Least Squares & PLS-Graph.” http://disc-nt.cba.uh.edu/chin/plsfac.htm.
  • Chin, W. W. 2010. "How to Write Up and Report PLS Analyses." In Handbook of Partial Least Squares: Concepts, Methods and Applications, edited by V. Esposito Vinzi, W. W. Chin, J. Henseler, and H. Wang, Springer Handbooks of Computational Statistics Series, Vol. II, 655–690. Heidelberg/Dordrecht/London/New York: Springer.
  • Čihák, M., A. Demirgüç-Kunt, F. Erik, and R. Levine. 2012. “Benchmarking financial systems around the world”, The World Bank Policy Research Working Paper No. 6175, The World Bank, Washington, DC.
  • Claessens, S. 2006. “Access to Financial Services: A Review of the Issues and Public Policy Objectives.” Oxford Journals 21 (2): 207–240.
  • Cohen, J. 1988. Statistical Power Analysis for the Behavioral Sciences. 2nd ed. Hillsdale, NJ: Lawrence Erlbaum.
  • Cronbach, L. J. 1971. “Test Validation.” In Educational Measurement, edited by R. L. Thorndike, 443–507. Washington, DC: IGI Publishing, American Council on Education.
  • Debard, R. D. 2004. “Serving the Millennial Generation.” In New Directions for Student Services, edited by R. D. Debard, and M. D. Coomes, 33–45. San Francisco, CA: Jossey-Bass.
  • Demirgüç-Kunt, A., L. Klapper, D. Singer, S. Ansar, and J. Hess. 2018. The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington, DC: World Bank. https://globalfindex.worldbank.org/.
  • Di Castri, S. 2013. Mobile Money: Enabling Regulatory Solutions. London: GSMA. http://www.gsma.com/ mobilefordevelopment/wpcontent/uploads/2013/02/MMU-Enabling-Regulatory-Solutions-di-Castri-2013.pdf.
  • Donovan, K. 2012. “Mobile Money for Financial Inclusion.” Information and Communications for Development 61 (1): 61–73.
  • Duncombe, R. A. 2014. “Understanding the Impact of Mobile Phones on Livelihoods in Developing Countries.” Development Policy Review 32 (5): 567–588. https://onlinelibrary.wiley.com/doi/abs/10.1111/dpr.12073.
  • Ernest, and Young. 2017. EY FinTech Adoption Index 2017. London, UK: E& Y Publication.
  • Gefen, D., D. W. Straub, and M.-C. Boudreau. 2000. “Structural Equation Modeling and Regression: Guidelines for Research Practice.” Communications of the Association for Information Systems 4 (7): 1–70.
  • Falk, R. F., and N. B. Miller. 1992. A Primer for Soft Modeling: Ohio: University of Akron Press.
  • Fatoki, O. O. 2011. “The Impact of Human, Social and Financial Capital on the Performance of Small and Medium-Sized Enterprises (SMEs) in South Africa.” Journal of Social Sciences 29 (3): 193–204.
  • FICO. 2014. “Mobile, Banking and Millennials – Not What You Might Think.” FICO Mobile Banking Survey Reveals Habits Of Millenials. https://www.fico.com/blogs.
  • Field, A. 2005. Discovering Statistics Using SPSS. London: Sage.
  • Gregory, R. J. 1992. Psychological Testing: History, Principles and Applications. Boston: Allyn and Bacon.
  • GSMA. 2015. State of the Industry Report: Mobile Money. London: GSMA.
  • GSMA. 2016. State of the Industry Report on Mobile Money: Decade Edition: 2006 –2016. London: GSMA Publication.
  • Haider, H. 2018. Innovative Financial Technologies to Support Livelihoods and Economic Outcomes. K4D Helpdesk Report. Brighton, UK: Institute of Development Studies.
  • Hair, J. F., R. E. Anderson, R. L. Tatham, and W. C. Black. 2010. Multivariate Data Analysis. 7th ed. Englewood Cliffs, NJ: Prentice Hall.
  • Hair, J. F., Hult, G. M., Ringle, C. M., and M. Sarstedt. 2014. A Primer on Partial Least Squares Structural Equations Modeling (PLS-SEM). Thousand Oaks, CA: Sage Publications, Inc.
  • Hair, J. F. Jr, Hult, G. T. M., Ringle, C. M., and M. Sarstedt, M. 2016. A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). Los Angeles, CA: Sage Publications.
  • Harelimana, J. B. 2017. “Impact of Mobile Banking on Financial Performance of Unguka Microfinance Bank Ltd, Rwanda.” Global Journal of Management and Business Research 17 (4): 90–95.
  • Howe, N. 1992. Generations: The History of America’s Future, 1584 to 2069. ISBN 978-0688119126.
  • Howe, N., and Strauss, W. 2000. Millennials rising: The Next Great Generation. New York: Vintage Books.
  • Higgins, D., J. Kendall, and B. Lyon. 2012. “Mobile Money Usage Patterns of Kenyan Small and Medium Enterprises.” Innovation, Technology, Governance and Globalization 7 (2): 67–81.
  • IFC (International Finance Corporation). 2010. Micro, Small, and Medium Enterprises: A Collection of Published Data. Washington, D.C.: The World Bank Group. http://www.ifc.org/msmecountryindicators.
  • IFC (International Finance Corporation). 2017. How Fintech is Reaching the Poor in Africa and Asia: A Start-up Perspective. Washington, DC: International Finance Corporation. https://www.ifc.org/wps/wcm/connect/f745fd31-a9aa-4736-b0ba-4ac2956f96dc/EmCompass+Note+34+DFS+and+FinTech+Mar+28+FINAL.pdf?MOD=AJPERES.
  • Ifinedo, P. 2006. “Acceptance and Continuance Intention of Web-based Learining Technologies (WLT) Use Among University Students in a Baltic Country.” The Electronic Journal on Information Systems in Developing Countries 23 (6): 1–20.
  • Islam, A., S. Muzi, and J. L. R. Meza. 2016. Does Mobile Money use Increase Firms’ Investment? Evidence from Enterprise Surveys in Kenya, Uganda, and Tanzania. Washington, DC: World Bank Group. https://www.enterprisesurveys.org/~/media/GIAWB/EnterpriseSurveys/Documents/ResearchPapers/Does_mobile_money_use_increase_firms_investment. pdf.
  • Jack, W., and T. Suri. 2014. “Risk Sharing and Transactions Costs: Evidence from Kenya’s Mobile Money Revolution.” American Economic Review 104 (1): 183–223.
  • Johnson, S. 2016. “Competing Visions of Financial Inclusion in Kenya: The Rift Revealed by Mobile Money Transfer.” Canadian Journal of Development Studies / Revue Canadienne D'études du Développement 37 (1): 83–100. doi:10.1080/02255189.2016.1140022.
  • Jose, E. P. 2008. Welcome to the Moderation/Mediation Help Centre: Version 2.0. Wellington: School of Psychology, Victoria University of Wellington.
  • Kenny, D. A., and C. M. Judd. 2019. “The Unappreciated Heterogeneity of Effect Sizes: Implications for Power, Precision, Planning of Research, and Replication.” Psychological Methods 24 (5): 578–589. doi:10.1037/met0000209.
  • Krejcie, R. V., and D. W. Morgan. 1970. “Determining Sample Size for Research Activities.” Educational and Psychological Measurement 29 (4): 87–102.
  • Kusimba, S. 2018. “It is Easy for Women to Ask: Gender and Digital Finance in Kenya.” Economic Anthropology 5 (2): 247–260. Special Issue Theme: Financialization. https://www.researchgate.net/publication/325062344_It_is_easy_for_women_to_ask_Gender_and_digital_finance_in_Kenya_Gender_and_Digital_Finance_in_Kenya.
  • Lancaster, L. C., and D. Stillman. 2002. When Generations Collide: Traditionalists, Baby Boomers, Generation Xers, Millennials: Who They Are, Why They Clash, How to Solve the Generational Puzzle at Work. New York: HarperCollins.
  • Mannheim, K. 1952. “The Problem of Generations.” In Essays on the Sociology of Knowledge, edited by Paul Kecskemeti, 276–320. London: Routledge and Kegan Paul.
  • Martin, C., and B. Tulgan. 2002. Managing the Generation Mix. Amherst, MA: HRD Press.
  • Mbiti, I., and D. N. Weil. 2011. “Mobile banking: the impact of M-PESA in Kenya”, Working Paper No. 17129, National Bureau of Economic Research, MA.
  • Oblinger, D. G., and J. L. Oblinger. 2005. Educating the Net Generation. www.educause.edu/educatingthenetgen.
  • OECD (Organization for Economic Co-operation and Development). 2013. SME and Entrepreneurship Financing: The Role of Credit Guarantee Schemes and Mutual Guarantee Societies in Supporting Finance for Small and Medium-Sized Enterprises. Paris: OECD Publishing.
  • Okello, G. C. B., J. M. Ntayi, J. C. Munene, and C. M. Akol. 2018. “Mobile Money and Financial Inclusion in Sub-Saharan Africa: the Moderating Role of Social Networks.” Journal of African Business, doi:10.1080/15228916.2017.1416214.
  • Ouma, S. A., T. M. Odongo, and M. Were. 2017. “Mobile Financial Services and Financial Inclusion: is it a Boon for Savings Mobilisation.” Review of Development Finance 7: 29–35. doi:10.1016/j.rdf.2017.01.001.
  • Ozili, P. K. 2018. “Impact of Digital Finance on Financial Inclusion and Stability.” Borsa Istanbul Review, doi:10.1016/j.bir.2017.12.003.
  • Reeves, T. C., and E. J. Oh. 2007. “Generation Differences and Educational Technology Research.” In Handbook of Research on Educational Communications and Technology, edited by J. M. Spector, M. D. Merrill, J. J. G. van Merriënboer, and M. Driscoll, 295–303. Mahwah, NJ: Lawrence Erlbaum Associates.
  • Reeves, T. C., and E. Oh. 2008. “Generational Differences.” In Handbook of Research on Educational Communications and Technology (3rd ed.), edited by M. J. Spector, M. D. Merrill, J. van Merrienboer, and M. P. Driscoll, 298–303. Mahwah, NJ: Laurence Earlbaum Associates.
  • Ringle, C. M., M. Sarstedt, and D. W. Straub. 2012. “A Critical Look at the Use of PLS-SEM in MIS Quarterly.” MIS Quarterly, 36 (1): iii–xiv.
  • Ringle, C., Wende, S., and Will, A. 2005. “SmartPLS 2.0 (Beta).” In Hamburg, (www.smartpls.de). 139–151. Berlin: Springer.
  • Ryder, N. B. 1965. “The Cohort as a Concept in the Study of Social Change.” American Sociological Review 30 (6): 843–861.
  • Sandeen, C. 2008. “Boomers, Xers, and Millennials: Who are They and What Do They Really Want from Continuing Higher Education?” Continuing Higher Education Review 72: 11–29.
  • Strauss, W., and N. Howe. 1991. Generations: The History of America’s Future, 1584 to 2069. New York: Quill/William/Morrow.
  • Strauss, W., and N. Howe. 1997. The Fourth Turning: What the Cycles of History Tell us About America’s Next Rendezvous with Destiny. New York: Broadway Books.
  • Suri, T., and W. Jack. 2016. “The Long-run Poverty and Gender Impacts of Mobile Finance.” Science 354 (6317): 1288–1292. http://science.sciencemag.org/content/354/6317/1288.full.
  • Tabachnick, B. G., and L. S. Fidell. 2001. Using Multivariate Statistics. 4th ed. Needham Heights, MA: Allyn & Bacon.
  • Terzis, V., and A. A. Economides. 2011. “The Acceptance and Use of Computer Based Assessment.” Computers & Education 56 (4): 1032–1044.
  • The Daily Financial Times. 2018. “Marketing to millennials”: Challenges and Opportunities; October 5, 2018.
  • Uganda Investment Authority. 2016. SMEs Driving the Economy. Quarterly Bulletin. Kampala Uganda: Uganda Investment Authority.
  • United Nations Capital Development Fund. 2015. Mobile Money and Finance Inclusion: Quarterly Report. Kampala Uganda: UNCDF.
  • Urahn, S. K. 2016. Who Uses Mobile Payments? Survey Findings on Consumer Opinions, Experience. The Pew Charitable Trusts. Accessed 18 July, 2021. https://www.pewtrusts.org/~/media/assets/2016/05/who_uses_mobile_payments.pdf.
  • Van Ittersum, K., W. A. Rogers, M. Capar, K. E. Caine, M. A. O’Brien, L. J. Parsons, and A. D. Fisk. 2006. “Understanding Technology Acceptance: Phase 1 –Literature \ Review and Qualitative Model Development” (Technology Report HFA-TR-0602). Atlanta, GA: Georgia Institute of Technology, School of Psychology, Human Factors and Aging Laboratory, January, 2006.
  • Vinet, L., and A. Zhedanov. 2010. A “Missing” Family of Classical Orthogonal Polynomials. Journal of marketing research 18 (1): 39–50.
  • World Bank. 2014. “A Survey On Access to and Use of Financial Services in 152 Countries Around the World.” In The 2014 Global Financial (Global Findex) Database. Washington, DC: The World Bank.
  • World Bank. 2015. Small and Medium Enterprises (SMEs) Finance: The World Bank Key Messages Bulletin. Washington, DC: The World Bank.
  • Wyman, O. 2017. “Accelerating Financial Inclusion in South-East Asia with Digital Finance.” International Journal of Research in Finance and Marketing 6: 6. https://www.adb.org/sites/default/files/publication/222061/financialinclusion-se-asia.pdf.

Reprints and Corporate Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

To request a reprint or corporate permissions for this article, please click on the relevant link below:

Academic Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

Obtain permissions instantly via Rightslink by clicking on the button below:

If you are unable to obtain permissions via Rightslink, please complete and submit this Permissions form. For more information, please visit our Permissions help page.