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Mobile Banking, Détention Des Comptes Bancaires Et Accès Au Crédit En Afrique Subsaharienne
Abstract
Résumé
Le Mobile Banking est de plus en plus présenté comme une innovation technologique disposant d’un potentiel énorme de facilitation de l’inclusion financière. S’appuyant sur les données d’un échantillon de 36 pays africains pour la période allant de 2012 à 2019, cette étude avait pour but d’analyser la relation entre la pénétration du Mobile Banking et les indicateurs standards d’accès aux services bancaires de base, tels que la détention des comptes et l’accès au crédit auprès des institutions financières. Les résultats de la modélisation sur les données de panel ont révélé une relation positive entre le Mobile Banking et le nombre de comptes de dépôts et d’emprunts auprès des banques commerciales. L’étude a aussi montré que le PIB par habitant et le nombre de succursales bancaires affectent significativement l’accès des individus aux services financiers de base.
Abstract
Mobile banking is increasingly presented as a technological innovation with enormous potential to facilitate financial inclusion. Based on data from a sample of 36 african countries for the period 2012-2019, this study aimed to analyze the relationship between Mobile Banking penetration and standard indicators of access to basic banking services, such as bank accounts holding and access to credit from financial institutions. The results from panel data modelling revealed a positive relationship between mobile banking and the number of deposit and loan accounts with commercial banks. The study also showed that GDP per capita and the number of bank branches significantly affect individuals’ access to basic financial services.
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DOI: http://dx.doi.org/10.52155/ijpsat.v30.2.4066
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