References
- Abdul-Rahaman, A., and A. Abdulai. 2021. Mobile money adoption, input use, and farm output among smallholder rice farmers in Ghana. Agribusiness 11:1–20.
- Ariss, R. T. 2010. On the implications of market power in banking: Evidence from developing countries. Journal of Banking & Finance 34 (4):765–75. doi:https://doi.org/10.1016/j.jbankfin.2009.09.004.
- Batista, C., and P. C. Vicente. 2020. Improving access to savings through mobile money: Experimental evidence from African smallholder farmers. World Development 129:104905. doi:https://doi.org/10.1016/j.worlddev.2020.104905.
- Beck, T., H. Pamuk, R. Ramrattan, and B. R. Uras. 2018. Payment instruments, finance and development. Journal of Development Economics 133:162–86. doi:https://doi.org/10.1016/j.jdeveco.2018.01.005.
- Chen, R., H. Chen, C. Jin, B. Wei, and L. Yu. 2020. Linkages and spillovers between internet finance and traditional finance: Evidence from China. Emerging Markets Finance and Trade 56 (6):1196–210. doi:https://doi.org/10.1080/1540496X.2019.1658069.
- Costello, A. M. 2019. The value of collateral in trade finance. Journal of Financial Economics 134 (1):70–90. doi:https://doi.org/10.1016/j.jfineco.2018.07.018.
- Di Falco, S., M. Veronesi, and M. Yesuf. 2011. Does adaptation to climate change provide food security? A micro-perspective from Ethiopia. American Journal of Agricultural Economics 93 (3):829–46. doi:https://doi.org/10.1093/ajae/aar006.
- Emekter, R., Y. Tu, B. Jirasakuldech, and M. Lu. 2015. Evaluating credit risk and loan performance in online Peer-to-Peer (P2P) lending. Applied Economics 47 (1):54–70. doi:https://doi.org/10.1080/00036846.2014.962222.
- Field, E., R. Pande, N. Rigol, S. Schaner, and C. Moore. 2021. On her own account: How strengthening women’s financial control impacts labor supply and gender norms. American Economic Review 111 (7):2342–75. doi:https://doi.org/10.1257/aer.20200705.
- Guo, F., and Y. Wang. 2020. Traditional financial basis, knowledge threshold and digital finance for farmers. Journal of Finance and Economics 46:19–33.
- He, J., Y. Tian, T. Liu, and Q. Li. 2017. How far is internet finance from farmers? Internet financial exclusion in developing areas. Finance and Trade Economics 38:70–84.
- 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. doi:https://doi.org/10.1257/aer.104.1.183.
- Khanal, A. R., A. K. Mishra, and K. H. Koirala. 2015. Access to the Internet and financial performance of small business households. Electronic Commerce Research 15 (2):159–75. doi:https://doi.org/10.1007/s10660-015-9178-3.
- Kikulwe, E. M., E. Fischer, and M. Qaim. 2014. Mobile money, smallholder farmers, and household welfare in Kenya. PLoS ONE 9 (10):e109804.
- Kingiri, A. N., and X. Fu. 2019. Understanding the diffusion and adoption of digital finance innovation in emerging economies: M-Pesa money mobile transfer service in Kenya. Innovation and Development 10 (1):67–87. doi:https://doi.org/10.1080/2157930X.2019.1570695.
- Kirui, O. K., J. J. Okello, R. A. Nyikal, and G. W. Njiraini. 2013. Impact of mobile phone-based money transfer services in agriculture: Evidence from Kenya. Quarterly Journal of International Agriculture 52 (2):141–62.
- Kumar, C. S., C. G. Turvey, and J. D. Kropp. 2013. The impact of credit constraints on farm households: Survey results from India and China. Applied Economic Perspectives and Policy 35 (3):508–27. doi:https://doi.org/10.1093/aepp/ppt002.
- Li, J., Y. Wu, and J. J. Xiao. 2020. The impact of digital finance on household consumption: Evidence from China. Economic Modelling 86:317–26. doi:https://doi.org/10.1016/j.econmod.2019.09.027.
- Liu, T., B. Pan, and Z. Yin. 2020. Pandemic, mobile payment, and household consumption: Micro-evidence from China. Emerging Markets Finance and Trade 56 (10):2378–89. doi:https://doi.org/10.1080/1540496X.2020.1788539.
- Liu, Z., and L. Liu. 2016. Characteristics and driving factors of rural livelihood transition in the east coastal region of China: A case study of suburban Shanghai. Journal of Rural Studies 43:145–58. doi:https://doi.org/10.1016/j.jrurstud.2015.12.008.
- Ma, W., and X. Wang. 2020. Internet use, sustainable agricultural practices and rural incomes: Evidence from China. Australian Journal of Agricultural and Resource Economics 64 (4):1087–112. doi:https://doi.org/10.1111/1467-8489.12390.
- Mabe, F. N., S. Nashiru, E. Mummuni, and V. F. Boateng. 2019. The nexus between land acquisition and household livelihoods in the Northern region of Ghana. Land Use Policy 85:357–67. doi:https://doi.org/10.1016/j.landusepol.2019.03.043.
- Manacorda, M., and A. Tesei. 2020. Liberation technology: Mobile phones and political mobilization in Africa. Econometrica 88 (2):533–67. doi:https://doi.org/10.3982/ECTA14392.
- Maurer, B. 2012. Mobile money: Communication, consumption and change in the payments space. Journal of Development Studies 48 (5):589–604. doi:https://doi.org/10.1080/00220388.2011.621944.
- Mbiti, I., and D. N. Weil. 2013. The home economics of e-money: Velocity, cash management, and discount rates of M-Pesa users. American Economic Review 103 (3):369–74. doi:https://doi.org/10.1257/aer.103.3.369.
- Michler, J. D., and A. L. Josephson. 2017. To specialize or diversify: Agricultural diversity and poverty dynamics in Ethiopia. World Development 89:214–26. doi:https://doi.org/10.1016/j.worlddev.2016.08.011.
- Morawczynski, O. 2009. Exploring the usage and impact of “transformational” mobile financial services: The case of M-PESA in Kenya. Journal of Eastern African Studies 3 (3):509–25. doi:https://doi.org/10.1080/17531050903273768.
- Mueller, R. A. E. 2001. E-commerce and entrepreneurship in agricultural markets. American Journal of Agricultural Economics 83 (5):1243–49. doi:https://doi.org/10.1111/0002-9092.00274.
- Munyegera, G. K., and T. Matsumoto. 2016. Mobile money, remittances, and household welfare: Panel evidence from rural Uganda. World Development 79 (25101002):127–37. doi:https://doi.org/10.1016/j.worlddev.2015.11.006.
- Nielsen, Ø. J., S. Rayamajhi, P. Uberhuaga, H. Meilby, and C. Smith‐Hall. 2013. Quantifying rural livelihood strategies in developing countries using an activity choice approach. Agricultural Economics 44 (1):57–71. doi:https://doi.org/10.1111/j.1574-0862.2012.00632.x.
- Papke, L. E., and J. M. Wooldridge. 2008. Panel data methods for fractional response variables with an application to test pass rates. Journal of Econometrics 145 (1–2):121–33. doi:https://doi.org/10.1016/j.jeconom.2008.05.009.
- Parlasca, M. C., C. Johnen, and M. Qaim. 2022. Use of mobile financial services among farmers in Africa: Insights from Kenya. Global Food Security 32 (July 2021):100590. doi:https://doi.org/10.1016/j.gfs.2021.100590.
- Riley, E. 2018. Mobile money and risk sharing against village shocks. Journal of Development Economics 135:43–58. doi:https://doi.org/10.1016/j.jdeveco.2018.06.015.
- Sekabira, H., and M. Qaim. 2017. Mobile money, agricultural marketing, and off-farm income in Uganda. Agricultural Economics 48 (5):597–611. doi:https://doi.org/10.1111/agec.12360.
- Shen, M., J. Huang, L. Zhang, and S. Rozelle. 2010. Financial reform and transition in China: A study of the evolution of banks in rural China. Agricultural Finance Review 70 (3):305–32. doi:https://doi.org/10.1108/00021461011088468.
- Stiglitz, J. E., and A. Weiss. 1981. Credit rationing in markets with imperfect information. American Economic Review 71 (3):393–410.
- Suri, T., and W. Jack. 2016. The long-run poverty and gender impacts of mobile money. Science 354 (6317):1288–92. doi:https://doi.org/10.1126/science.aah5309.
- Wandibba, S., S. M. Nangendo, and B. A. Mulemi 2014. Gender empowerment and access to financial services in Machakos County, Eastern Kenyan, project report. Institute for Money, Technology and Financial Inclusion, University of California, Irvine.
- Wang, Y., and F. Guo. 2019. Regional digital finance development and peasant households’ participation in digital finance: Channel mechanism and heterogeneity. Financial Economics Research 34 (2): 84–95.
- Wooldridge, J. M. 2015. Control function methods in applied econometrics. Journal of Human Resources 50 (2):420–45. doi:https://doi.org/10.3368/jhr.50.2.420.
- Yi, X., and L. Zhou. 2018. Does digital financial inclusion significantly influence household consumption? Evidence from household survey data in China. Journal of Financial Research 461:47–67.
- Zhou, X., W. Ma, G. Li, and H. Qiu. 2020. Farm machinery use and maize yields in China: An analysis accounting for selection bias and heterogeneity. Australian Journal of Agricultural and Resource Economics 64 (4):1282–307. doi:https://doi.org/10.1111/1467-8489.12395.