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The role of governance in the effect of the internet on financial inclusion in Sub-Saharan Africa.

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Title: The role of governance in the effect of the internet on financial inclusion in Sub-Saharan Africa.
Authors: Akpa, Armand Fréjuis1,2 (AUTHOR), Asongu, Simplice A.3,4,5 (AUTHOR) asongusimplice@yahoo.com, Batuo, Michael E.6 (AUTHOR)
Source: Information Technology for Development. Jul2025, Vol. 31 Issue 3, p664-682. 19p.
Subjects: Financial inclusion, Internet governance, Economic indicators, Internet users, Financial databases
Geographic Terms: Sub-Saharan Africa
Abstract: This paper analyses the role of governance quality in the relationship between the Internet and financial inclusion in Sub-Saharan African countries. The study uses data from the International Monetary Fund (IMF) database for indicators of financial inclusion, World Development Indicators (WDI) for Internet users and World Governance Indicators (WGI) for governance indicators from 2004 to 2020. Analyzing the data using the System Generalized Method of Moments (SGMM), the results show that the Internet can be effectively complemented with the quality of governance to improve financial inclusion. Thresholds of governance that are needed for the Internet to promote financial inclusion are provided. Policies aimed at reinforcing the quality of governance in SSA countries could help consolidate Internet infrastructure to promote Internet usage and, in turn, improve financial inclusion. Other policy implications are discussed. [ABSTRACT FROM AUTHOR]
Copyright of Information Technology for Development is the property of Taylor & Francis Ltd and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)
Database: Engineering Source
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  Data: The role of governance in the effect of the internet on financial inclusion in Sub-Saharan Africa.
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  Data: <searchLink fieldCode="JN" term="%22Information+Technology+for+Development%22">Information Technology for Development</searchLink>. Jul2025, Vol. 31 Issue 3, p664-682. 19p.
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  Data: <searchLink fieldCode="DE" term="%22Financial+inclusion%22">Financial inclusion</searchLink><br /><searchLink fieldCode="DE" term="%22Internet+governance%22">Internet governance</searchLink><br /><searchLink fieldCode="DE" term="%22Economic+indicators%22">Economic indicators</searchLink><br /><searchLink fieldCode="DE" term="%22Internet+users%22">Internet users</searchLink><br /><searchLink fieldCode="DE" term="%22Financial+databases%22">Financial databases</searchLink>
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  Data: <searchLink fieldCode="DE" term="%22Sub-Saharan+Africa%22">Sub-Saharan Africa</searchLink>
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  Data: This paper analyses the role of governance quality in the relationship between the Internet and financial inclusion in Sub-Saharan African countries. The study uses data from the International Monetary Fund (IMF) database for indicators of financial inclusion, World Development Indicators (WDI) for Internet users and World Governance Indicators (WGI) for governance indicators from 2004 to 2020. Analyzing the data using the System Generalized Method of Moments (SGMM), the results show that the Internet can be effectively complemented with the quality of governance to improve financial inclusion. Thresholds of governance that are needed for the Internet to promote financial inclusion are provided. Policies aimed at reinforcing the quality of governance in SSA countries could help consolidate Internet infrastructure to promote Internet usage and, in turn, improve financial inclusion. Other policy implications are discussed. [ABSTRACT FROM AUTHOR]
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  Data: <i>Copyright of Information Technology for Development is the property of Taylor & Francis Ltd and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract.</i> (Copyright applies to all Abstracts.)
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        Value: 10.1080/02681102.2024.2412607
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      – Code: eng
        Text: English
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        PageCount: 19
        StartPage: 664
    Subjects:
      – SubjectFull: Financial inclusion
        Type: general
      – SubjectFull: Internet governance
        Type: general
      – SubjectFull: Economic indicators
        Type: general
      – SubjectFull: Internet users
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      – SubjectFull: Financial databases
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      – SubjectFull: Sub-Saharan Africa
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              M: 07
              Text: Jul2025
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              Y: 2025
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