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The contribution of digital financial services to financial inclusion in Mozambique: an ARDL model approach
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Orientador(es)
Resumo(s)
This paper analyses the contribution of digital financial services to financial inclusion in Mozambique, based on the Autoregressive Distributed Lag (ARDL) model, for the period from January 2011 to September 2019. We study two models to analyse the contribution of digital financial services to financial inclusion (measured by the number of bank accounts) in Mozambique. The first model uses traditional digital means of payments as independent variables, such as the volume of financial transactions through automated teller machines (ATMs), point-ofsales (POSs), electronic transfers of inter and intrabank funds, direct debit, and domestic and crossborder remittances. The second model considers innovative digital means of payments, such as internet banking, mobile banking and electronic money. We conclude that, excluding domestic remittances and direct debit, which present low levels of penetration in the country, and internet banking transactions, the remaining variables contribute to financial inclusion. Our results confirm the crucial role that digital financial services play in financial inclusion, particularly in improving access to and the use of services by the under-served population.
Descrição
Palavras-chave
Financial Inclusion Digital Financial Services ARDL Model Mozambique
Contexto Educativo
Citação
Fernandes, Carla; Maria Rosa Borges and Jorge Caiado .(2021). “The contribution of digital financial services to financial inclusion in Mozambique: an ARDL model approach”. Applied Economics, Vol. 53, No. 3: pp. 400–409
Editora
Taylor & Francis Group
Coleções
DE - Artigos em Revistas Internacionais / Articles in International Journals
CEMAPRE - Artigos em Revistas Internacionais / Articles in International Journals
REM - Artigos em Revistas Internacionais / Articles in International Journals
UECE - Artigos em Revistas Internacionais / Articles in International Journals
CEMAPRE - Artigos em Revistas Internacionais / Articles in International Journals
REM - Artigos em Revistas Internacionais / Articles in International Journals
UECE - Artigos em Revistas Internacionais / Articles in International Journals