{"title":"Urban–rural differences in women's use of mobile money and the underlying determinants: Evidence from Nigeria Demographic and Health Survey","authors":"Richard Adeleke","doi":"10.1016/j.wsif.2024.102919","DOIUrl":null,"url":null,"abstract":"<div><p>Mobile money (MM) is pivotal to improving financial inclusion and socio-economic well-being. However, many women in developing countries are excluded from its use. While there are existing studies that have interrogated the predictors of MM use by women, the problem persists in most low-and-middle-income countries probably due to the scarcity of location specific interventions in addressing the low rates. Thus, this study examines the determinants of MM use by women at a local context disaggregated along national, rural, and urban scales in Nigeria to achieve effective policy formulation tailored towards the uniqueness of the different geographical locations. Drawing on the unified theory of acceptance and use of technology, this study provides evidence that MM use by women varies substantially between urban and rural areas and these disparities are driven by spatial differences in socio-economic, enabling, and contextual factors. The study recommends that policy makers need to address women's socio-economic problems from a spatial viewpoint to ensure that they fully benefit from the advantages of MM.</p></div>","PeriodicalId":47940,"journal":{"name":"Womens Studies International Forum","volume":null,"pages":null},"PeriodicalIF":1.5000,"publicationDate":"2024-05-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Womens Studies International Forum","FirstCategoryId":"90","ListUrlMain":"https://www.sciencedirect.com/science/article/pii/S0277539524000578","RegionNum":3,"RegionCategory":"社会学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"WOMENS STUDIES","Score":null,"Total":0}
引用次数: 0
Abstract
Mobile money (MM) is pivotal to improving financial inclusion and socio-economic well-being. However, many women in developing countries are excluded from its use. While there are existing studies that have interrogated the predictors of MM use by women, the problem persists in most low-and-middle-income countries probably due to the scarcity of location specific interventions in addressing the low rates. Thus, this study examines the determinants of MM use by women at a local context disaggregated along national, rural, and urban scales in Nigeria to achieve effective policy formulation tailored towards the uniqueness of the different geographical locations. Drawing on the unified theory of acceptance and use of technology, this study provides evidence that MM use by women varies substantially between urban and rural areas and these disparities are driven by spatial differences in socio-economic, enabling, and contextual factors. The study recommends that policy makers need to address women's socio-economic problems from a spatial viewpoint to ensure that they fully benefit from the advantages of MM.
移动支付(MM)对于提高金融包容性和社会经济福利至关重要。然而,发展中国家的许多妇女却被排除在使用范围之外。虽然已有研究对妇女使用移动支付的预测因素进行了调查,但这一问题在大多数中低收入国家依然存在,这可能是由于缺乏针对具体地点的干预措施来解决使用率低的问题。因此,本研究按照尼日利亚的国家、农村和城市范围,对当地妇女使用 MM 的决定因素进行了研究,以便针对不同地理位置的独特性制定有效的政策。根据接受和使用技术的统一理论,本研究提供的证据表明,城市和农村地区妇女使用 MM 的情况大不相同,这些差异是由社会经济、有利因素和环境因素的空间差异造成的。研究建议,决策者需要从空间角度解决妇女的社会经济问题,以确保她们充分受益于 MM 的优势。
期刊介绍:
Women"s Studies International Forum (formerly Women"s Studies International Quarterly, established in 1978) is a bimonthly journal to aid the distribution and exchange of feminist research in the multidisciplinary, international area of women"s studies and in feminist research in other disciplines. The policy of the journal is to establish a feminist forum for discussion and debate. The journal seeks to critique and reconceptualize existing knowledge, to examine and re-evaluate the manner in which knowledge is produced and distributed, and to assess the implications this has for women"s lives.