Mobile financial services, financial inclusion, and development: A systematic review of academic literature

Kim, Minjin, Zoo, Hanah, Lee, Heejin and Kang, Juhee, (2018). Mobile financial services, financial inclusion, and development: A systematic review of academic literature. The Electronic Journal of Information Systems in Developing Countries, 84(4), 1-17

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  • Sub-type Journal article
    Author Kim, Minjin
    Zoo, Hanah
    Lee, Heejin
    Kang, Juhee
    Title Mobile financial services, financial inclusion, and development: A systematic review of academic literature
    Appearing in The Electronic Journal of Information Systems in Developing Countries
    Volume 84
    Issue No. 4
    Publication Date 2018-07-27
    Place of Publication Massachusetts
    Publisher John Wiley & Sons, Ltd.
    Start page 1
    End page 17
    Language eng
    Abstract With the flagship success of m‐Pesa, financial services via mobile devices have become an important tool to facilitate the financial inclusion of the previously unbanked population in developing countries. Attempts to provide a landscape of academic research findings at the intersection of mobile financial services, financial inclusion, and development have been rather scant. To determine the key issues and gaps in the current academic research, this study conducts a systematic review of 54 academic research papers vis‐à‐vis the nexus of mobile financial services, financial inclusion, and development. The results show that the extant literature addresses three major clusters of topics: delivery, environmental factors, and the impact of mobile financial services. Still in the nascent stage of research, the topics covered in the literature indicate a bias towards institutional and individual preconditions for the implementation of mobile financial services, rather than actual supply and demand by users, and its impact on society. The choice of research methods also shows limited variety and depth. This study contributes towards understanding the existing research on mobile financial services for financial inclusion in developing countries and finding research gaps for future study.
    UNBIS Thesaurus DEVELOPMENT
    DEVELOPING COUNTRIES
    Keyword Access to finance
    Financial inclusion
    Mobile financial services
    Mobile phones
    Copyright Holder John Wiley & Sons Ltd
    Copyright Year 2018
    Copyright type All rights reserved
    ISSN 16814835
    DOI 10.1002/isd2.12044
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    Created: Fri, 03 Aug 2018, 13:14:07 JST by Geneva Damayanti on behalf of UNU CS