{"id":"https://openalex.org/W4403255546","doi":"https://doi.org/10.1080/02681102.2024.2412607","title":"The role of governance in the effect of the internet on financial inclusion in Sub-Saharan Africa","display_name":"The role of governance in the effect of the internet on financial inclusion in Sub-Saharan Africa","publication_year":2024,"publication_date":"2024-10-09","ids":{"openalex":"https://openalex.org/W4403255546","doi":"https://doi.org/10.1080/02681102.2024.2412607"},"language":"en","primary_location":{"id":"doi:10.1080/02681102.2024.2412607","is_oa":false,"landing_page_url":"https://doi.org/10.1080/02681102.2024.2412607","pdf_url":null,"source":{"id":"https://openalex.org/S119528808","display_name":"Information Technology for Development","issn_l":"0268-1102","issn":["0268-1102","1554-0170"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320547","host_organization_name":"Taylor & Francis","host_organization_lineage":["https://openalex.org/P4310320547"],"host_organization_lineage_names":["Taylor & Francis"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Information Technology for Development","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://pure.unamur.be/ws/files/106586446/The_role_of_governance_in_the_effect_of_the_internet_on_financial_inclusion_in_Sub-Saharan_Africa.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5014920711","display_name":"Armand Fr\u00e9juis Akpa","orcid":"https://orcid.org/0000-0001-7613-9445"},"institutions":[{"id":"https://openalex.org/I149768937","display_name":"University of Namur","ror":"https://ror.org/03d1maw17","country_code":"BE","type":"education","lineage":["https://openalex.org/I149768937"]},{"id":"https://openalex.org/I4210119417","display_name":"Universit\u00e9 d'Abomey-Calavi","ror":"https://ror.org/03gzr6j88","country_code":"BJ","type":"education","lineage":["https://openalex.org/I4210119417"]}],"countries":["BE","BJ"],"is_corresponding":false,"raw_author_name":"Armand Fr\u00e9juis Akpa","raw_affiliation_strings":["University of Namur","Universit\u00e9 d\u2019Abomey-Calavi","Laboratoire d\u2019Economie Publique, Facult\u00e9 des Sciences Economiques et de Gestion, Universit\u00e9 d\u2019Abomey-Calavi, Abomey-Calavi, Benin","Centre of Research in the Economics of Development (CRED), University of Namur, Namur, Belgium"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Namur","institution_ids":["https://openalex.org/I149768937"]},{"raw_affiliation_string":"Universit\u00e9 d\u2019Abomey-Calavi","institution_ids":["https://openalex.org/I4210119417"]},{"raw_affiliation_string":"Laboratoire d\u2019Economie Publique, Facult\u00e9 des Sciences Economiques et de Gestion, Universit\u00e9 d\u2019Abomey-Calavi, Abomey-Calavi, Benin","institution_ids":["https://openalex.org/I4210119417"]},{"raw_affiliation_string":"Centre of Research in the Economics of Development (CRED), University of Namur, Namur, Belgium","institution_ids":["https://openalex.org/I149768937"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5028054694","display_name":"Simplice Asongu","orcid":"https://orcid.org/0000-0001-5227-5135"},"institutions":[{"id":"https://openalex.org/I197347611","display_name":"Korea University","ror":"https://ror.org/047dqcg40","country_code":"KR","type":"education","lineage":["https://openalex.org/I197347611"]},{"id":"https://openalex.org/I24027795","display_name":"University of Johannesburg","ror":"https://ror.org/04z6c2n17","country_code":"ZA","type":"education","lineage":["https://openalex.org/I24027795"]},{"id":"https://openalex.org/I4387155254","display_name":"New Uzbekistan University","ror":"https://ror.org/035v3tr79","country_code":"UZ","type":"education","lineage":["https://openalex.org/I4387155254"]},{"id":"https://openalex.org/I47151758","display_name":"National University of Uzbekistan","ror":"https://ror.org/011647w73","country_code":"UZ","type":"education","lineage":["https://openalex.org/I47151758"]}],"countries":["KR","UZ","ZA"],"is_corresponding":true,"raw_author_name":"Simplice A. Asongu","raw_affiliation_strings":["Korea University","New Uzbekistan University","University of Johannesburg","School of Economics, University of Johannesburg, Johannesburg, South Africa","The Institute of Convergence Science, Korea University, Seoul, South Korea","Central Asian Center of Development Studies, New Uzbekistan University, Tashkent, Uzbekistan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Korea University","institution_ids":[]},{"raw_affiliation_string":"New Uzbekistan University","institution_ids":["https://openalex.org/I47151758","https://openalex.org/I4387155254"]},{"raw_affiliation_string":"University of Johannesburg","institution_ids":["https://openalex.org/I24027795"]},{"raw_affiliation_string":"School of Economics, University of Johannesburg, Johannesburg, South Africa","institution_ids":["https://openalex.org/I24027795"]},{"raw_affiliation_string":"The Institute of Convergence Science, Korea University, Seoul, South Korea","institution_ids":["https://openalex.org/I197347611"]},{"raw_affiliation_string":"Central Asian Center of Development Studies, New Uzbekistan University, Tashkent, Uzbekistan","institution_ids":["https://openalex.org/I47151758","https://openalex.org/I4387155254"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5108373154","display_name":"Michael Enowbi Batuo","orcid":null},"institutions":[{"id":"https://openalex.org/I94951947","display_name":"University of Westminster","ror":"https://ror.org/04ycpbx82","country_code":"GB","type":"education","lineage":["https://openalex.org/I94951947"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Michael E. Batuo","raw_affiliation_strings":["University of Westminster","Westminster Business School, University of Westminster, UK"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Westminster","institution_ids":["https://openalex.org/I94951947"]},{"raw_affiliation_string":"Westminster Business School, University of Westminster, UK","institution_ids":["https://openalex.org/I94951947"]}]}],"institutions":[],"countries_distinct_count":6,"institutions_distinct_count":7,"corresponding_author_ids":["https://openalex.org/A5028054694"],"corresponding_institution_ids":["https://openalex.org/I197347611","https://openalex.org/I24027795","https://openalex.org/I4387155254","https://openalex.org/I47151758"],"apc_list":null,"apc_paid":null,"fwci":14.8141,"has_fulltext":true,"cited_by_count":22,"citation_normalized_percentile":{"value":0.98862536,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":99,"max":100},"biblio":{"volume":"31","issue":"3","first_page":"664","last_page":"682"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13867","display_name":"Economic Growth and Development","score":0.9994999766349792,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},"topics":[{"id":"https://openalex.org/T13867","display_name":"Economic Growth and Development","score":0.9994999766349792,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.998199999332428,"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":0.9815000295639038,"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":0.9106554985046387},{"id":"https://openalex.org/keywords/corporate-governance","display_name":"Corporate governance","score":0.6842248439788818},{"id":"https://openalex.org/keywords/inclusion","display_name":"Inclusion (mineral)","score":0.6285416483879089},{"id":"https://openalex.org/keywords/the-internet","display_name":"The Internet","score":0.5651325583457947},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.5335679054260254},{"id":"https://openalex.org/keywords/financial-system","display_name":"Financial system","score":0.4777607023715973},{"id":"https://openalex.org/keywords/political-science","display_name":"Political science","score":0.39672625064849854},{"id":"https://openalex.org/keywords/accounting","display_name":"Accounting","score":0.366770476102829},{"id":"https://openalex.org/keywords/economic-growth","display_name":"Economic growth","score":0.324898362159729},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.3065011203289032},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.2625998854637146},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.25758540630340576},{"id":"https://openalex.org/keywords/sociology","display_name":"Sociology","score":0.15624889731407166},{"id":"https://openalex.org/keywords/social-science","display_name":"Social science","score":0.10615211725234985},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.08036336302757263}],"concepts":[{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.9106554985046387},{"id":"https://openalex.org/C39389867","wikidata":"https://www.wikidata.org/wiki/Q380767","display_name":"Corporate governance","level":2,"score":0.6842248439788818},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.6285416483879089},{"id":"https://openalex.org/C110875604","wikidata":"https://www.wikidata.org/wiki/Q75","display_name":"The Internet","level":2,"score":0.5651325583457947},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5335679054260254},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.4777607023715973},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.39672625064849854},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.366770476102829},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.324898362159729},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3065011203289032},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2625998854637146},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.25758540630340576},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.15624889731407166},{"id":"https://openalex.org/C36289849","wikidata":"https://www.wikidata.org/wiki/Q34749","display_name":"Social science","level":1,"score":0.10615211725234985},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.08036336302757263},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1080/02681102.2024.2412607","is_oa":false,"landing_page_url":"https://doi.org/10.1080/02681102.2024.2412607","pdf_url":null,"source":{"id":"https://openalex.org/S119528808","display_name":"Information Technology for Development","issn_l":"0268-1102","issn":["0268-1102","1554-0170"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320547","host_organization_name":"Taylor & Francis","host_organization_lineage":["https://openalex.org/P4310320547"],"host_organization_lineage_names":["Taylor & Francis"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Information Technology for Development","raw_type":"journal-article"},{"id":"pmh:oai:pure.unamur.be:openaire_cris_publications/a8061541-28e7-4bfd-ae7f-642aa7805afc","is_oa":true,"landing_page_url":"https://researchportal.unamur.be/en/publications/a8061541-28e7-4bfd-ae7f-642aa7805afc","pdf_url":"https://pure.unamur.be/ws/files/106586446/The_role_of_governance_in_the_effect_of_the_internet_on_financial_inclusion_in_Sub-Saharan_Africa.pdf","source":{"id":"https://openalex.org/S4406922457","display_name":"Repository of the University of Namur","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Akpa, A F, Asongu, S A & Batuo, M E 2025, 'The role of governance in the effect of the internet on financial inclusion in Sub-Saharan Africa', Information Technology for Development, vol. 31, no. 3, pp. 664-682. https://doi.org/10.1080/02681102.2024.2412607","raw_type":"info:eu-repo/semantics/article"}],"best_oa_location":{"id":"pmh:oai:pure.unamur.be:openaire_cris_publications/a8061541-28e7-4bfd-ae7f-642aa7805afc","is_oa":true,"landing_page_url":"https://researchportal.unamur.be/en/publications/a8061541-28e7-4bfd-ae7f-642aa7805afc","pdf_url":"https://pure.unamur.be/ws/files/106586446/The_role_of_governance_in_the_effect_of_the_internet_on_financial_inclusion_in_Sub-Saharan_Africa.pdf","source":{"id":"https://openalex.org/S4406922457","display_name":"Repository of the University of Namur","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Akpa, A F, Asongu, S A & Batuo, M E 2025, 'The role of governance in the effect of the internet on financial inclusion in Sub-Saharan Africa', Information Technology for Development, vol. 31, no. 3, pp. 664-682. https://doi.org/10.1080/02681102.2024.2412607","raw_type":"info:eu-repo/semantics/article"},"sustainable_development_goals":[{"display_name":"Reduced inequalities","id":"https://metadata.un.org/sdg/10","score":0.8100000023841858}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":false},"content_urls":{"pdf":"https://content.openalex.org/works/W4403255546.pdf"},"referenced_works_count":86,"referenced_works":["https://openalex.org/W217315315","https://openalex.org/W1491644571","https://openalex.org/W1588189399","https://openalex.org/W1746336329","https://openalex.org/W1791587663","https://openalex.org/W1804644284","https://openalex.org/W1993760488","https://openalex.org/W1993937730","https://openalex.org/W2007452507","https://openalex.org/W2016219201","https://openalex.org/W2025610165","https://openalex.org/W2035554302","https://openalex.org/W2036389121","https://openalex.org/W2046352897","https://openalex.org/W2072597402","https://openalex.org/W2078523000","https://openalex.org/W2099304543","https://openalex.org/W2099697766","https://openalex.org/W2101355677","https://openalex.org/W2143490243","https://openalex.org/W2211721224","https://openalex.org/W2228592138","https://openalex.org/W2334062494","https://openalex.org/W2414302609","https://openalex.org/W2555789491","https://openalex.org/W2613710821","https://openalex.org/W2738408801","https://openalex.org/W2739241839","https://openalex.org/W2746407727","https://openalex.org/W2769082643","https://openalex.org/W2772703943","https://openalex.org/W2781926103","https://openalex.org/W2783397135","https://openalex.org/W2789920828","https://openalex.org/W2790159863","https://openalex.org/W2890173064","https://openalex.org/W2896551619","https://openalex.org/W2904942818","https://openalex.org/W2910139176","https://openalex.org/W2912553045","https://openalex.org/W2921705734","https://openalex.org/W2977598003","https://openalex.org/W2993678066","https://openalex.org/W2997267135","https://openalex.org/W2999771342","https://openalex.org/W3010590011","https://openalex.org/W3025524142","https://openalex.org/W3092745551","https://openalex.org/W3111037217","https://openalex.org/W3112080357","https://openalex.org/W3115891309","https://openalex.org/W3121403162","https://openalex.org/W3122761097","https://openalex.org/W3125340546","https://openalex.org/W3128104549","https://openalex.org/W3135288717","https://openalex.org/W3137429897","https://openalex.org/W3148138757","https://openalex.org/W3153097645","https://openalex.org/W3167822149","https://openalex.org/W3174448572","https://openalex.org/W3195027176","https://openalex.org/W3200546041","https://openalex.org/W4205350572","https://openalex.org/W4206491429","https://openalex.org/W4230696474","https://openalex.org/W4236699049","https://openalex.org/W4248385077","https://openalex.org/W4282034872","https://openalex.org/W4289877801","https://openalex.org/W4295137604","https://openalex.org/W4295347075","https://openalex.org/W4307000319","https://openalex.org/W4307984662","https://openalex.org/W4311464758","https://openalex.org/W4312100381","https://openalex.org/W4322587842","https://openalex.org/W4324058353","https://openalex.org/W4360975740","https://openalex.org/W4386000220","https://openalex.org/W4390049305","https://openalex.org/W4391655925","https://openalex.org/W4391672510","https://openalex.org/W4391943583","https://openalex.org/W6631950131","https://openalex.org/W6980742806"],"related_works":["https://openalex.org/W1561270765","https://openalex.org/W2402855523","https://openalex.org/W2908048260","https://openalex.org/W3149895238","https://openalex.org/W2535032341","https://openalex.org/W2492263259","https://openalex.org/W2913771048","https://openalex.org/W1870823270","https://openalex.org/W3207703321","https://openalex.org/W2748166520"],"abstract_inverted_index":{"This":[0],"paper":[1],"analyses":[2],"the":[3,9,12,26,57,60,67,71,78,93,105],"role":[4],"of":[5,34,64,80,87,107],"governance":[6,50,81,88,108],"quality":[7,79,106],"in":[8,17,109,122],"relationship":[10],"between":[11],"Internet":[13,42,72,94,115,119],"and":[14,44],"financial":[15,35,84,97,125],"inclusion":[16,98],"Sub-Saharan":[18],"African":[19],"countries.":[20],"The":[21],"study":[22],"uses":[23],"data":[24,58],"from":[25,52],"International":[27],"Monetary":[28],"Fund":[29],"(IMF)":[30],"database":[31],"for":[32,41,49,92],"indicators":[33,51],"inclusion,":[36],"World":[37,45],"Development":[38],"Indicators":[39,47],"(WDI)":[40],"users":[43],"Governance":[46],"(WGI)":[48],"2004":[53],"to":[54,82,95,117],"2020.":[55],"Analyzing":[56],"using":[59],"System":[61],"Generalized":[62],"Method":[63],"Moments":[65],"(SGMM),":[66],"results":[68],"show":[69],"that":[70,89],"can":[73],"be":[74],"effectively":[75],"complemented":[76],"with":[77],"improve":[83,124],"inclusion.":[85,126],"Thresholds":[86],"are":[90,99,130],"needed":[91],"promote":[96,118],"provided.":[100],"Policies":[101],"aimed":[102],"at":[103],"reinforcing":[104],"SSA":[110],"countries":[111],"could":[112],"help":[113],"consolidate":[114],"infrastructure":[116],"usage":[120],"and,":[121],"turn,":[123],"Other":[127],"policy":[128],"implications":[129],"discussed.":[131]},"counts_by_year":[{"year":2026,"cited_by_count":9},{"year":2025,"cited_by_count":13}],"updated_date":"2026-07-15T18:14:33.161393","created_date":"2025-10-10T00:00:00"}
