{"id":"https://openalex.org/W7124497233","doi":"https://doi.org/10.3991/ijim.v20i01.59341","title":"Mobile Money Enriches the Financial Literacy in Developing Economies: Quantitative Evidence from Small Businesses in Africa Post-COVID-19","display_name":"Mobile Money Enriches the Financial Literacy in Developing Economies: Quantitative Evidence from Small Businesses in Africa Post-COVID-19","publication_year":2026,"publication_date":"2026-01-16","ids":{"openalex":"https://openalex.org/W7124497233","doi":"https://doi.org/10.3991/ijim.v20i01.59341"},"language":"en","primary_location":{"id":"doi:10.3991/ijim.v20i01.59341","doi":"https://doi.org/10.3991/ijim.v20i01.59341","is_oa":true,"landing_page_url":"https://doi.org/10.3991/ijim.v20i01.59341","pdf_url":"https://online-journals.org/index.php/i-jim/article/download/59341/16917","source":{"id":"https://openalex.org/S4210177413","display_name":"International Journal of Interactive Mobile Technologies (iJIM)","issn_l":"1865-7923","issn":["1865-7923"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["cwts-core","jufo-1","norway-1","poland-20","russia-white-list-1"],"host_organization":"https://openalex.org/P4310313744","host_organization_name":"kassel university press","host_organization_lineage":["https://openalex.org/P4310313744"],"host_organization_lineage_names":["kassel university press"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Interactive Mobile Technologies (iJIM)","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://online-journals.org/index.php/i-jim/article/download/59341/16917","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5011853356","display_name":"Dababrata Chowdhury","orcid":"https://orcid.org/0000-0002-3117-3997","observed_orcids":["https://orcid.org/0000-0002-3117-3997"]},"institutions":[{"id":"https://openalex.org/I4210086302","display_name":"Ravensbourne University London","ror":"https://ror.org/001htc678","country_code":"GB","type":"education","lineage":["https://openalex.org/I4210086302"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Dababrata Chowdhury","raw_affiliation_strings":["Ravensbourne University, London, UK"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Ravensbourne University, London, UK","institution_ids":["https://openalex.org/I4210086302"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5003534171","display_name":"Ebimoboere Koroye","orcid":"https://orcid.org/0009-0007-5086-4156","observed_orcids":["https://orcid.org/0009-0007-5086-4156"]},"institutions":[{"id":"https://openalex.org/I4210143921","display_name":"Arden University","ror":"https://ror.org/059hhvg49","country_code":"GB","type":"education","lineage":["https://openalex.org/I2800893096","https://openalex.org/I4210143921"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Ebimoboere Koroye","raw_affiliation_strings":["Arden University, London, UK"],"raw_orcid":"https://orcid.org/0009-0007-5086-4156","affiliations":[{"raw_affiliation_string":"Arden University, London, UK","institution_ids":["https://openalex.org/I4210143921"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5073599636","display_name":"Samuel Ayertey","orcid":"https://orcid.org/0000-0003-0834-8741","observed_orcids":["https://orcid.org/0000-0003-0834-8741"]},"institutions":[{"id":"https://openalex.org/I4210143921","display_name":"Arden University","ror":"https://ror.org/059hhvg49","country_code":"GB","type":"education","lineage":["https://openalex.org/I2800893096","https://openalex.org/I4210143921"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Samuel Ayertey","raw_affiliation_strings":["Arden University, London, UK"],"raw_orcid":"https://orcid.org/0000-0003-0834-8741","affiliations":[{"raw_affiliation_string":"Arden University, London, UK","institution_ids":["https://openalex.org/I4210143921"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5123226488","display_name":"Derick Nyame","orcid":"https://orcid.org/0009-0007-7517-9585","observed_orcids":["https://orcid.org/0009-0007-7517-9585"]},"institutions":[{"id":"https://openalex.org/I119664326","display_name":"University of Wolverhampton","ror":"https://ror.org/01k2y1055","country_code":"GB","type":"education","lineage":["https://openalex.org/I119664326"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Derick Nyame","raw_affiliation_strings":["University of Wolverhampton, Wolverhampton, UK"],"raw_orcid":"https://orcid.org/0009-0007-7517-9585","affiliations":[{"raw_affiliation_string":"University of Wolverhampton, Wolverhampton, UK","institution_ids":["https://openalex.org/I119664326"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5009697218","display_name":"Gareth D. John","orcid":"https://orcid.org/0009-0007-1273-2291","observed_orcids":["https://orcid.org/0009-0007-1273-2291"]},"institutions":[{"id":"https://openalex.org/I4210143921","display_name":"Arden University","ror":"https://ror.org/059hhvg49","country_code":"GB","type":"education","lineage":["https://openalex.org/I2800893096","https://openalex.org/I4210143921"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"John Garrick","raw_affiliation_strings":["Arden University, London, UK"],"raw_orcid":"https://orcid.org/0009-0007-1273-2291","affiliations":[{"raw_affiliation_string":"Arden University, London, UK","institution_ids":["https://openalex.org/I4210143921"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5049346359","display_name":"Nahla Moussa","orcid":"https://orcid.org/0000-0003-1342-8201","observed_orcids":["https://orcid.org/0000-0003-1342-8201"]},"institutions":[{"id":"https://openalex.org/I182000528","display_name":"Ajman University","ror":"https://ror.org/01j1rma10","country_code":"AE","type":"education","lineage":["https://openalex.org/I182000528"]}],"countries":["AE"],"is_corresponding":false,"raw_author_name":"Nahla Moussa","raw_affiliation_strings":["Ajman University, Ajman, UAE"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Ajman University, Ajman, UAE","institution_ids":["https://openalex.org/I182000528"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":4,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":{"value":260,"currency":"EUR","value_usd":280},"apc_paid":{"value":260,"currency":"EUR","value_usd":280},"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"20","issue":"01","first_page":"72","last_page":"86"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.5913000106811523,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.5913000106811523,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.3337000012397766,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.031700000166893005,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/mobile-money","display_name":"mobile money","score":0.9950000047683716},{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":1.0},{"id":"https://openalex.org/keywords/small-and-medium-sized-enterprises","display_name":"small and medium-sized enterprises","score":0.984000027179718},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.7120000123977661},{"id":"https://openalex.org/keywords/post-covid-19","display_name":"post-COVID-19","score":0.75},{"id":"https://openalex.org/keywords/actor-network-theory","display_name":"actor-network theory","score":0.7080000042915344},{"id":"https://openalex.org/keywords/financial-regulators","display_name":"financial regulators","score":0.6060000061988831},{"id":"https://openalex.org/keywords/urban-rural-divide","display_name":"urban-rural divide","score":0.8730000257492065},{"id":"https://openalex.org/keywords/money-transfer","display_name":"money transfer","score":0.9089999794960022},{"id":"https://openalex.org/keywords/nigeria","display_name":"Nigeria","score":0.5049999952316284}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.8367000222206116},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.8267999887466431},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6247000098228455},{"id":"https://openalex.org/C83864248","wikidata":"https://www.wikidata.org/wiki/Q177323","display_name":"Developing country","level":2,"score":0.583899974822998},{"id":"https://openalex.org/C2780665704","wikidata":"https://www.wikidata.org/wiki/Q959298","display_name":"Intervention (counseling)","level":2,"score":0.4936000108718872},{"id":"https://openalex.org/C74196892","wikidata":"https://www.wikidata.org/wiki/Q7781188","display_name":"Thematic analysis","level":3,"score":0.4754999876022339},{"id":"https://openalex.org/C27415008","wikidata":"https://www.wikidata.org/wiki/Q7256382","display_name":"Psychological intervention","level":2,"score":0.4523000121116638},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.44769999384880066},{"id":"https://openalex.org/C13606891","wikidata":"https://www.wikidata.org/wiki/Q2623243","display_name":"Conceptual model","level":2,"score":0.38449999690055847},{"id":"https://openalex.org/C2993791488","wikidata":"https://www.wikidata.org/wiki/Q676459","display_name":"Bank account","level":3,"score":0.37779998779296875},{"id":"https://openalex.org/C14224292","wikidata":"https://www.wikidata.org/wiki/Q13600188","display_name":"Conceptual framework","level":2,"score":0.3695000112056732},{"id":"https://openalex.org/C198477413","wikidata":"https://www.wikidata.org/wiki/Q7647069","display_name":"Survey data collection","level":2,"score":0.36079999804496765},{"id":"https://openalex.org/C103565092","wikidata":"https://www.wikidata.org/wiki/Q159421","display_name":"Savings account","level":2,"score":0.3580000102519989},{"id":"https://openalex.org/C547764534","wikidata":"https://www.wikidata.org/wiki/Q8236","display_name":"Literacy","level":2,"score":0.3472000062465668},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.34709998965263367},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.34049999713897705},{"id":"https://openalex.org/C100001284","wikidata":"https://www.wikidata.org/wiki/Q2248246","display_name":"Public economics","level":1,"score":0.3264000117778778},{"id":"https://openalex.org/C87156501","wikidata":"https://www.wikidata.org/wiki/Q7268708","display_name":"Qualitative property","level":2,"score":0.3231000006198883},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.31690001487731934},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.29809999465942383},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.29600000381469727},{"id":"https://openalex.org/C2994115028","wikidata":"https://www.wikidata.org/wiki/Q1134763","display_name":"Financial structure","level":2,"score":0.2847999930381775},{"id":"https://openalex.org/C190248442","wikidata":"https://www.wikidata.org/wiki/Q839486","display_name":"Qualitative research","level":2,"score":0.28040000796318054},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.2793999910354614},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2793000042438507},{"id":"https://openalex.org/C71199308","wikidata":"https://www.wikidata.org/wiki/Q2990807","display_name":"Accounting management","level":3,"score":0.2761000096797943},{"id":"https://openalex.org/C129047720","wikidata":"https://www.wikidata.org/wiki/Q175185","display_name":"Rural area","level":2,"score":0.2732999920845032},{"id":"https://openalex.org/C2777646416","wikidata":"https://www.wikidata.org/wiki/Q242069","display_name":"Digital literacy","level":2,"score":0.2687999904155731},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.2623000144958496},{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.2587999999523163},{"id":"https://openalex.org/C160050368","wikidata":"https://www.wikidata.org/wiki/Q132453","display_name":"Developed country","level":3,"score":0.2565999925136566},{"id":"https://openalex.org/C136197465","wikidata":"https://www.wikidata.org/wiki/Q1729295","display_name":"Variety (cybernetics)","level":2,"score":0.250900000333786},{"id":"https://openalex.org/C2984224174","wikidata":"https://www.wikidata.org/wiki/Q25324239","display_name":"Survey instrument","level":2,"score":0.25029999017715454}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.3991/ijim.v20i01.59341","doi":"https://doi.org/10.3991/ijim.v20i01.59341","is_oa":true,"landing_page_url":"https://doi.org/10.3991/ijim.v20i01.59341","pdf_url":"https://online-journals.org/index.php/i-jim/article/download/59341/16917","source":{"id":"https://openalex.org/S4210177413","display_name":"International Journal of Interactive Mobile Technologies (iJIM)","issn_l":"1865-7923","issn":["1865-7923"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["cwts-core","jufo-1","norway-1","poland-20","russia-white-list-1"],"host_organization":"https://openalex.org/P4310313744","host_organization_name":"kassel university press","host_organization_lineage":["https://openalex.org/P4310313744"],"host_organization_lineage_names":["kassel university press"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Interactive Mobile Technologies (iJIM)","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.3991/ijim.v20i01.59341","doi":"https://doi.org/10.3991/ijim.v20i01.59341","is_oa":true,"landing_page_url":"https://doi.org/10.3991/ijim.v20i01.59341","pdf_url":"https://online-journals.org/index.php/i-jim/article/download/59341/16917","source":{"id":"https://openalex.org/S4210177413","display_name":"International Journal of Interactive Mobile Technologies (iJIM)","issn_l":"1865-7923","issn":["1865-7923"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["cwts-core","jufo-1","norway-1","poland-20","russia-white-list-1"],"host_organization":"https://openalex.org/P4310313744","host_organization_name":"kassel university press","host_organization_lineage":["https://openalex.org/P4310313744"],"host_organization_lineage_names":["kassel university press"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Interactive Mobile Technologies (iJIM)","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8","score":0.6452000141143799},{"display_name":"Reduced inequalities","id":"https://metadata.un.org/sdg/10","score":0.5676000118255615}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7124497233.pdf","grobid_xml":"https://content.openalex.org/works/W7124497233.grobid-xml"},"referenced_works_count":29,"referenced_works":["https://openalex.org/W1538864774","https://openalex.org/W1547201988","https://openalex.org/W1763451966","https://openalex.org/W1791587663","https://openalex.org/W1965430577","https://openalex.org/W2009718928","https://openalex.org/W2069005704","https://openalex.org/W2099697766","https://openalex.org/W2174399304","https://openalex.org/W2255847457","https://openalex.org/W2288915191","https://openalex.org/W2461903001","https://openalex.org/W2531459030","https://openalex.org/W2559928430","https://openalex.org/W2742943615","https://openalex.org/W2790260313","https://openalex.org/W2936675855","https://openalex.org/W2941426722","https://openalex.org/W3002488091","https://openalex.org/W3015877613","https://openalex.org/W3031373263","https://openalex.org/W3082592802","https://openalex.org/W3132004844","https://openalex.org/W4230537277","https://openalex.org/W4318763449","https://openalex.org/W4402536652","https://openalex.org/W4404939675","https://openalex.org/W4414289787","https://openalex.org/W4415604863"],"related_works":["https://openalex.org/W7204531203","https://openalex.org/W7223157595","https://openalex.org/W7131394291","https://openalex.org/W3029017045","https://openalex.org/W7219376336","https://openalex.org/W2170225991","https://openalex.org/W3030221073","https://openalex.org/W7155415116","https://openalex.org/W7154039690","https://openalex.org/W4408176329"],"abstract_inverted_index":{"This":[0],"study":[1],"examines":[2],"the":[3,11,25,50,85,102,167,226],"potential":[4,36],"of":[5,15,52,115,159,164,188,196,200,229],"mobile":[6],"money":[7],"(MM)":[8],"to":[9,40,83,220],"enhance":[10],"financial":[12,53,56,71,230],"literacy":[13],"(FL)":[14],"small":[16],"and":[17,55,89,96,122,135,161,198,216],"medium":[18],"enterprises":[19],"(SMEs)":[20],"owners":[21],"in":[22,49,182,210,225],"Africa.":[23],"Following":[24],"pandemic,":[26],"regional":[27],"policy":[28],"interventions":[29],"have":[30,46,204],"promoted":[31],"MM;":[32],"however,":[33],"its":[34],"maximum":[35],"remains":[37],"untapped":[38],"due":[39],"systemic":[41],"impediments.":[42],"Although":[43],"modest":[44],"increases":[45],"been":[47],"observed":[48],"level":[51,158],"inclusion":[54],"capacity":[57],"building,":[58],"developing":[59,212],"economies":[60],"like":[61],"Nigeria":[62],"remain":[63],"far":[64],"from":[65,127],"achieving":[66],"significant":[67,206,223],"progress":[68],"toward":[69],"digital":[70],"integration.":[72],"The":[73,105],"Actor-Network":[74],"Theory":[75],"(ANT)":[76],"is":[77,125],"adopted":[78],"as":[79,91,98],"a":[80,108,128,156,172,205,222],"conceptual":[81],"lens":[82],"address":[84],"interaction":[86],"between":[87],"users":[88],"regulators":[90],"\u201cActors\u201d":[92],"on":[93,101,151,208],"one":[94],"side":[95],"MM":[97,165],"an":[99],"\u201cActant\u201d":[100],"other":[103],"side.":[104],"paper":[106],"develops":[107],"behavioural":[109],"model":[110],"that":[111],"presents":[112],"four":[113],"stages":[114],"\u201cactors-actant\u201d":[116],"interaction,":[117],"including":[118],"\u201cproblematisation\u201d,":[119],"\u201cinteressment\u201d,":[120],"\u201cenrolment\u201d,":[121],"\u201cmobilisation\u201d.":[123],"Evidence":[124],"drawn":[126],"mixed-methods":[129],"approach,":[130],"comprising":[131],"250":[132],"survey":[133],"respondents":[134],"10":[136],"interviews":[137,147],"with":[138,185],"regulators.":[139],"Quantitative":[140],"data":[141],"were":[142,148],"analysed":[143,149],"using":[144],"SPSS,":[145],"while":[146],"based":[150],"thematic":[152],"coding.":[153],"Findings":[154],"indicate":[155],"high":[157],"awareness":[160],"widespread":[162],"adoption":[163,201,215],"among":[166],"population.":[168],"However,":[169],"it":[170],"exhibits":[171],"stark":[173],"urban-rural":[174],"divide:":[175],"fund":[176],"transfers":[177,190],"are":[178],"found":[179],"overwhelmingly":[180],"concentrated":[181],"urban":[183],"centres,":[184],"only":[186],"3.3%":[187],"such":[189],"reaching":[191],"rural":[192],"areas.":[193],"Mobilisation,":[194],"knowledge":[195],"MM,":[197],"rate":[199,228],"do":[202],"not":[203],"impact":[207],"FL":[209],"this":[211],"context.":[213],"Top-down":[214],"governmental":[217],"intervention":[218],"appear":[219],"play":[221],"role":[224],"accelerating":[227],"literacy.":[231]},"counts_by_year":[],"updated_date":"2026-10-28T10:33:24.094632","created_date":"2026-01-17T00:00:00"}
