{"id":"https://openalex.org/W7133249490","doi":"https://doi.org/10.1016/j.sciaf.2026.e03282","title":"Financial inclusion in Sub-Saharan Africa: does the mobile money adoption matter?","display_name":"Financial inclusion in Sub-Saharan Africa: does the mobile money adoption matter?","publication_year":2026,"publication_date":"2026-03-02","ids":{"openalex":"https://openalex.org/W7133249490","doi":"https://doi.org/10.1016/j.sciaf.2026.e03282"},"language":"en","primary_location":{"id":"doi:10.1016/j.sciaf.2026.e03282","doi":"https://doi.org/10.1016/j.sciaf.2026.e03282","is_oa":true,"landing_page_url":"https://doi.org/10.1016/j.sciaf.2026.e03282","pdf_url":null,"source":{"id":"https://openalex.org/S4210198261","display_name":"Scientific African","issn_l":"2468-2276","issn":["2468-2276"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["cwts-core","doaj","dongbi-d","jufo-1","norway-1","poland-20","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Scientific African","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://doi.org/10.1016/j.sciaf.2026.e03282","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5126359288","display_name":"Emanuel Sulle Joseph","orcid":"https://orcid.org/0009-0006-5051-1628","observed_orcids":["https://orcid.org/0009-0006-5051-1628"]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Emanuel Sulle Joseph","raw_affiliation_strings":[],"raw_orcid":"https://orcid.org/0009-0006-5051-1628","affiliations":[]},{"author_position":"middle","author":{"id":"https://openalex.org/A5019929687","display_name":"Martin Chegere","orcid":"https://orcid.org/0000-0003-2798-5199","observed_orcids":["https://orcid.org/0000-0003-2798-5199"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Martin Julius Chegere","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5017727418","display_name":"Kenneth Mdadila","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Kenneth Mdadila","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5126359288"],"corresponding_institution_ids":[],"apc_list":{"value":590,"currency":"USD","value_usd":590},"apc_paid":{"value":590,"currency":"USD","value_usd":590},"fwci":34.8191,"has_fulltext":false,"cited_by_count":10,"citation_normalized_percentile":{"value":0.99690842,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":93,"max":99},"biblio":{"volume":"32","issue":null,"first_page":"e03282","last_page":"e03282"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9940999746322632,"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":0.9940999746322632,"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/T13867","display_name":"Economic Growth and Development","score":0.004100000020116568,"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/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.000699999975040555,"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/financial-inclusion","display_name":"financial inclusion","score":0.9710000157356262},{"id":"https://openalex.org/keywords/mobile-money","display_name":"mobile money","score":0.8399999737739563},{"id":"https://openalex.org/keywords/mobile-phone-ownership","display_name":"mobile phone ownership","score":0.8700000047683716},{"id":"https://openalex.org/keywords/internet-access","display_name":"internet access","score":0.9959999918937683},{"id":"https://openalex.org/keywords/unbanked-populations","display_name":"unbanked populations","score":0.8830000162124634},{"id":"https://openalex.org/keywords/agent-networks","display_name":"agent networks","score":0.5339999794960022},{"id":"https://openalex.org/keywords/rural-financial-access","display_name":"rural financial access","score":0.6230000257492065},{"id":"https://openalex.org/keywords/mobile-network-coverage","display_name":"mobile network coverage","score":0.6470000147819519},{"id":"https://openalex.org/keywords/sub-saharan-africa","display_name":"sub-Saharan Africa","score":0.9710000157356262}],"concepts":[{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.7269999980926514},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6385999917984009},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.4724000096321106},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.446399986743927},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.3314000070095062},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.321399986743927},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.321399986743927},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.2930000126361847},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.2815999984741211},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.27059999108314514},{"id":"https://openalex.org/C2778705799","wikidata":"https://www.wikidata.org/wiki/Q2823610","display_name":"Financial asset","level":2,"score":0.2662999927997589},{"id":"https://openalex.org/C2992337254","wikidata":"https://www.wikidata.org/wiki/Q31275820","display_name":"Financial stability","level":2,"score":0.2630000114440918},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.2540999948978424},{"id":"https://openalex.org/C145236788","wikidata":"https://www.wikidata.org/wiki/Q28161","display_name":"Labour economics","level":1,"score":0.2535000145435333},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.2526000142097473}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.1016/j.sciaf.2026.e03282","doi":"https://doi.org/10.1016/j.sciaf.2026.e03282","is_oa":true,"landing_page_url":"https://doi.org/10.1016/j.sciaf.2026.e03282","pdf_url":null,"source":{"id":"https://openalex.org/S4210198261","display_name":"Scientific African","issn_l":"2468-2276","issn":["2468-2276"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["cwts-core","doaj","dongbi-d","jufo-1","norway-1","poland-20","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Scientific African","raw_type":"journal-article"},{"id":"doi:10.2139/ssrn.5167812","doi":"https://doi.org/10.2139/ssrn.5167812","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.5167812","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"},{"id":"pmh:oai:doaj.org/article:2fdd8432888a47bdb9f619bf51266c8c","doi":null,"is_oa":false,"landing_page_url":"https://doaj.org/article/2fdd8432888a47bdb9f619bf51266c8c","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Scientific African, Vol 32, Iss , Pp e03282- (2026)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1016/j.sciaf.2026.e03282","doi":"https://doi.org/10.1016/j.sciaf.2026.e03282","is_oa":true,"landing_page_url":"https://doi.org/10.1016/j.sciaf.2026.e03282","pdf_url":null,"source":{"id":"https://openalex.org/S4210198261","display_name":"Scientific African","issn_l":"2468-2276","issn":["2468-2276"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["cwts-core","doaj","dongbi-d","jufo-1","norway-1","poland-20","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Scientific African","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/10","display_name":"Reduced inequalities","score":0.7578999996185303}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":28,"referenced_works":["https://openalex.org/W1856117400","https://openalex.org/W2032874557","https://openalex.org/W2034899155","https://openalex.org/W2117956034","https://openalex.org/W2149283043","https://openalex.org/W2163723928","https://openalex.org/W2290446095","https://openalex.org/W2508036721","https://openalex.org/W2559928430","https://openalex.org/W2793088353","https://openalex.org/W2802366606","https://openalex.org/W2809844806","https://openalex.org/W2890553074","https://openalex.org/W2910798328","https://openalex.org/W2912553045","https://openalex.org/W2942848614","https://openalex.org/W2990861418","https://openalex.org/W3033289572","https://openalex.org/W3043204303","https://openalex.org/W3080927531","https://openalex.org/W3122763283","https://openalex.org/W3122896559","https://openalex.org/W3123802226","https://openalex.org/W3128951738","https://openalex.org/W3193670842","https://openalex.org/W4280499013","https://openalex.org/W4387910984","https://openalex.org/W4406606767"],"related_works":["https://openalex.org/W4406606767","https://openalex.org/W4416916439","https://openalex.org/W3125083267","https://openalex.org/W7167027361","https://openalex.org/W4243858521","https://openalex.org/W7112671647","https://openalex.org/W7217984386","https://openalex.org/W4399029135","https://openalex.org/W7169869904","https://openalex.org/W4322762318"],"abstract_inverted_index":{"The":[0,51,90,107,153],"role":[1],"of":[2,22,40,45,69,87,101,128,158],"mobile":[3,26,32,46,80,102,111,122,159,171],"money":[4,33,47,103,160],"in":[5,12,177],"enhancing":[6,182],"financial":[7,49,70,88,105,141,185],"inclusion":[8,71,142],"has":[9,17],"garnered":[10],"attention":[11],"developing":[13],"countries.":[14],"Sub-Saharan":[15,62],"Africa":[16,63],"realized":[18],"a":[19,38,66],"growing":[20],"number":[21],"adults":[23],"who":[24],"own":[25],"phones":[27],"and":[28,114,149,174,179,187],"have":[29,136],"subsequently":[30],"registered":[31],"accounts.":[34],"However,":[35],"there":[36],"remains":[37],"lack":[39],"consensus":[41],"on":[42,48,104],"the":[43,55,73,84,99,126,156,190],"effects":[44],"inclusion.":[50,89,106],"current":[52],"study":[53,154],"utilized":[54],"latest":[56],"Global":[57],"Findex":[58],"2021":[59],"data":[60],"for":[61,121,189],"to":[64,79,82,97,118,139,162,184],"construct":[65],"composite":[67],"index":[68],"at":[72],"individual":[74],"level,":[75],"incorporating":[76],"indicators":[77],"related":[78],"money,":[81,123],"ascertain":[83],"true":[85],"extent":[86],"fractional":[91],"logistic":[92],"regression":[93],"model":[94],"is":[95,167],"employed":[96],"analyze":[98],"effect":[100],"results":[108],"indicate":[109],"that":[110,135],"phone":[112],"ownership":[113],"internet":[115],"access,":[116],"assumed":[117],"be":[119],"proxies":[120],"positively":[124,143],"influence":[125],"likelihood":[127],"people":[129],"being":[130],"financially":[131],"included.":[132],"Other":[133],"factors":[134],"been":[137],"found":[138],"affect":[140],"include":[144],"age,":[145],"education,":[146],"wage":[147],"employment,":[148],"household":[150],"socioeconomic":[151],"status.":[152],"recommends":[155],"expansion":[157],"infrastructures":[161],"reach":[163],"marginalized":[164],"groups.":[165],"This":[166],"achieved":[168],"by":[169],"expanding":[170],"network":[172],"coverage":[173],"agent":[175],"networks":[176],"underserved":[178],"rural":[180],"areas,":[181],"access":[183],"services":[186],"products":[188],"unbanked.":[191]},"counts_by_year":[{"year":2026,"cited_by_count":8},{"year":2025,"cited_by_count":2}],"updated_date":"2026-11-12T12:28:57.059296","created_date":"2026-03-03T00:00:00"}
