Bitte verwenden Sie diesen Link, um diese Publikation zu zitieren, oder auf sie als Internetquelle zu verweisen: https://hdl.handle.net/10419/305274 
Erscheinungsjahr: 
2024
Schriftenreihe/Nr.: 
Kiel Working Paper No. 2274
Verlag: 
Kiel Institute for the World Economy (IfW Kiel), Kiel
Zusammenfassung: 
Our analysis of over 500 Ghanaian firms sheds light, for the first time, on how certain firms managed to extract value from mobile money. Our regressions point to the usefulness of this form of cashless payments in stabilizing sales during the COVID pandemic. Perhaps the most important message from our analysis is the recognition that the benefits from mobile money extend beyond its purpose as a tool for transacting cashless payments. We reveal that firms using these additional tools supported by MoMo (e.g. for planning or saving purposes) report higher sales resilience, all things equal. Our findings appear to echo the literature on private householders (e.g. Jack and Suri, 2014). However, while the latter report a positive effect due to remittances, our finding is more likely driven by enhanced ability of businesses to streamline their planning and sales.
Schlagwörter: 
Mobile Money
Africa
Firm
Urbanization
JEL: 
G23
G21
L25
O14
O18
O33
Dokumentart: 
Working Paper

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