To Identify The Extent Of Mobile Banking Adoption Among Rural Populations In Africa

Mobile banking has emerged as a transformative tool for expanding financial inclusion in Africa, particularly in rural communities. This study seeks to identify the extent of mobile banking adoption among rural populations across the continent, highlighting patterns of usage, accessibility, and socio-economic impacts. Drawing on evidence from recent surveys and secondary data, the analysis reveals that mobile banking has significantly improved access to savings, credit, and money transfer services for marginalized groups. Despite notable progress, disparities remain due to challenges such as poor network infrastructure, digital illiteracy, and affordability constraints. The findings underscore that while mobile banking is a catalyst for bridging financial exclusion, its benefits are unevenly distributed. Addressing these gaps requires targeted interventions by policymakers, financial institutions, and technology providers to ensure equitable adoption and sustainable financial empowerment in rural Africa.

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Publication Details

Journal
Zenodo (CERN European Organization for Nuclear Research)
Published
2025-11-08
DOI
https://doi.org/10.5281/zenodo.17559952
Primary Topic
Microfinance and Financial Inclusion
Type
article
Field-Weighted Citation Impact
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article

To Identify The Extent Of Mobile Banking Adoption Among Rural Populations In Africa

Zenodo (CERN European Organization for Nuclear Research)
Microfinance and Financial Inclusion
article

To Identify The Extent Of Mobile Banking Adoption Among Rural Populations In Africa

article en

Abstract

Mobile banking has emerged as a transformative tool for expanding financial inclusion in Africa, particularly in rural communities. This study seeks to identify the extent of mobile banking adoption among rural populations across the continent, highlighting patterns of usage, accessibility, and socio-economic impacts. Drawing on evidence from recent surveys and secondary data, the analysis reveals that mobile banking has significantly improved access to savings, credit, and money transfer services for marginalized groups. Despite notable progress, disparities remain due to challenges such as poor network infrastructure, digital illiteracy, and affordability constraints. The findings underscore that while mobile banking is a catalyst for bridging financial exclusion, its benefits are unevenly distributed. Addressing these gaps requires targeted interventions by policymakers, financial institutions, and technology providers to ensure equitable adoption and sustainable financial empowerment in rural Africa.

Zenodo (CERN European Organization for Nuclear Research)
DMI St. Eugene University (ZM)
Reduced inequalities
Openalex Percentile: Top 30%
Microfinance and Financial Inclusion
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To Identify The Extent Of Mobile Banking Adoption Among Rural Populations In Africa · Zenodo (CERN European Organization for Nuclear Research) (2025) | TGRS Research Map | TGRS