Facilitating financial inclusion using ICT: Lessons from M-PESA and E-ZWICH

Stephen Agyepong; Hossana Twinomurinzi

Facilitating financial inclusion using ICT: Lessons from M-PESA and E-ZWICH

Stephen Agyepong
, Hossana Twinomurinzi

University of South Africa

Research output: Contribution to conference › Paper › peer-review

2 Citations (Scopus)

Abstract

Financial inclusion is a priority in most developing countries. While the inclusion approaches may differ, the primary aim remains enrolling the unbanked into the formal economy. This paper adopts Critical Realism as a lens to compare the efforts of two inclusion models; M-PESA from Kenya and e-zwich in Ghana. The findings reveal that while both models do not provide the infrastructure for people to build trust, the enrolment successes of both models differ significantly.

Original language	English
Publication status	Published - 2016
Externally published	Yes
Event	24th European Conference on Information Systems, ECIS 2016 - Istanbul, Turkey Duration: 12 Jun 2016 → 15 Jun 2016

Conference

Conference	24th European Conference on Information Systems, ECIS 2016
Country/Territory	Turkey
City	Istanbul
Period	12/06/16 → 15/06/16

UN SDGs

This output contributes to the following UN Sustainable Development Goals (SDGs)

SDG 1 No Poverty
SDG 8 Decent Work and Economic Growth

Keywords

Critical realism
E-zwich
Financial inclusion
M-PESA
Mobile money
Trust

ASJC Scopus subject areas

Information Systems

Cite this

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title = "Facilitating financial inclusion using ICT: Lessons from M-PESA and E-ZWICH",

abstract = "Financial inclusion is a priority in most developing countries. While the inclusion approaches may differ, the primary aim remains enrolling the unbanked into the formal economy. This paper adopts Critical Realism as a lens to compare the efforts of two inclusion models; M-PESA from Kenya and e-zwich in Ghana. The findings reveal that while both models do not provide the infrastructure for people to build trust, the enrolment successes of both models differ significantly.",

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AU - Agyepong, Stephen

AU - Twinomurinzi, Hossana

PY - 2016

Y1 - 2016

N2 - Financial inclusion is a priority in most developing countries. While the inclusion approaches may differ, the primary aim remains enrolling the unbanked into the formal economy. This paper adopts Critical Realism as a lens to compare the efforts of two inclusion models; M-PESA from Kenya and e-zwich in Ghana. The findings reveal that while both models do not provide the infrastructure for people to build trust, the enrolment successes of both models differ significantly.

AB - Financial inclusion is a priority in most developing countries. While the inclusion approaches may differ, the primary aim remains enrolling the unbanked into the formal economy. This paper adopts Critical Realism as a lens to compare the efforts of two inclusion models; M-PESA from Kenya and e-zwich in Ghana. The findings reveal that while both models do not provide the infrastructure for people to build trust, the enrolment successes of both models differ significantly.

KW - Critical realism

KW - E-zwich

KW - Financial inclusion

KW - M-PESA

KW - Mobile money

KW - Trust

UR - https://www.scopus.com/pages/publications/84995811933

M3 - Paper

AN - SCOPUS:84995811933

Y2 - 12 June 2016 through 15 June 2016

ER -

Facilitating financial inclusion using ICT: Lessons from M-PESA and E-ZWICH

Abstract

Conference

UN SDGs

Keywords

ASJC Scopus subject areas

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Cite this