Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/269078 
Year of Publication: 
2022
Series/Report no.: 
AGDI Working Paper No. WP/22/075
Publisher: 
African Governance and Development Institute (AGDI), Yaoundé
Abstract: 
Africa is becoming the fastest-growing continent despite significant challenges to accessing finance and the use of technology. This research aims to examine the direct effect of mobile money adoption on firm performance and its indirect effect by examining how it moderates the effect of access to finance on firm performance. Quantitative data were obtained from the World Bank Enterprise Survey for Cameroon, Ivory Coast and Zimbabwe. A series of hierarchical regression analyses were done to test the hypotheses. The main findings show a negative significant relationship between mobile money adoption and firm performance while access to finance had a positive relationship. The moderation effect though positive was not significant. Research examining the effect of mobile money adoption in Africa on firm performance is limited and existing studies have focused on the determinants of mobile money usage.
Subjects: 
Mobile money
Access to Finance
Firm Performance
Resource-based view
Sub Saharan Africa
Document Type: 
Working Paper

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