Arielle Ornela Ndassi Teutio, J. R. Kala Kamdjoug, Jean-Pierre Gueyié
{"title":"Mobile money, bank deposit and perceived financial inclusion in Cameroon","authors":"Arielle Ornela Ndassi Teutio, J. R. Kala Kamdjoug, Jean-Pierre Gueyié","doi":"10.1080/08276331.2021.1953908","DOIUrl":null,"url":null,"abstract":"Abstract Today more than ever, banks are facing the race for innovation in mobile financial services. Several studies have focused on the factors driving the adoption of mobile money, but the aspect of deposit collection activity by banks, essential as a basis for granting an account and providing financial services to customers, has been neglected. This study aims to examine the effect of perceived cost, relative advantage and perceived ubiquity on the intention to adopt mobile money for bank deposits, as well as the effect of its use on financial inclusion in Cameroun. A quantitative approach based on the PLS-SEM algorithm is used on a sample of 310 Cameroonian respondents. Results show that these factors positively influence the intention to adopt Mobile Money for bank deposits and that its use has a significant positive effect on financial inclusion. The study will help bank managers to develop effective marketing approaches and to improve their offer with adapted products and services, more specifically to enhance customer proximity and produce effective channels to suck up potential bank deposits not yet captured by banks.","PeriodicalId":37293,"journal":{"name":"Journal of Small Business and Entrepreneurship","volume":"101 1","pages":"14 - 32"},"PeriodicalIF":0.0000,"publicationDate":"2021-08-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"8","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Small Business and Entrepreneurship","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1080/08276331.2021.1953908","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"Business, Management and Accounting","Score":null,"Total":0}
引用次数: 8
Abstract
Abstract Today more than ever, banks are facing the race for innovation in mobile financial services. Several studies have focused on the factors driving the adoption of mobile money, but the aspect of deposit collection activity by banks, essential as a basis for granting an account and providing financial services to customers, has been neglected. This study aims to examine the effect of perceived cost, relative advantage and perceived ubiquity on the intention to adopt mobile money for bank deposits, as well as the effect of its use on financial inclusion in Cameroun. A quantitative approach based on the PLS-SEM algorithm is used on a sample of 310 Cameroonian respondents. Results show that these factors positively influence the intention to adopt Mobile Money for bank deposits and that its use has a significant positive effect on financial inclusion. The study will help bank managers to develop effective marketing approaches and to improve their offer with adapted products and services, more specifically to enhance customer proximity and produce effective channels to suck up potential bank deposits not yet captured by banks.
期刊介绍：
Studies published in the JSBE can be from and based on Canada or other countries of the world. They can cover topics related to matters such as: A. Start-up and resource gathering for an SME -Starting, buying and selling an SME -Financing, funding, banking, venture capital, audit and accounting in SMEs -Entrepreneur characteristics, leadership and work-life balance -Identification of business opportunities, business incubators and mentorship -Support services to entrepreneurship and SMEs B. Functional management and growth of an SME -Sales and marketing in SMEs -Human resource management in SMEs -Operation management in SMEs -Innovation, knowledge management, learning and fast growth in SMEs -New technologies, Internet, and communication in SMEs -Regulation and taxes for SMEs -Growth of SMEs C. Strategic management and change in an SME -Strategic Management in SMEs -International entrepreneurship and SME internationalization -Networks, alliances and relationships with government and large enterprises -Managing change in an uncertain and changing environment -Factors of success and failure in SME and entrepreneurial firms D. New trends in entrepreneurship and SME management -Social entrepreneurship -Gender and female entrepreneurship -Indigenous entrepreneurship -Ethnic/diaspora/immigrant entrepreneurship -Youth and student entrepreneurship -Entrepreneurship in emerging/transition markets -Franchises, sport, health, consulting and other emerging types of SMEs -Corporate entrepreneurship E. Special topics in entrepreneurship and SME management -Family-based business -Social responsibility, environmental protection, governance, and ethics in SMEs -SMEs and regional, urban, rural, and national development -Entrepreneurship education -Epistemology, general theory development, and methods of research in entrepreneurship and SMEs -Entrepreneurship and sustainable development
京公网安备 11010802042870号
京ICP备2023020795号-1
分享
求助内容：
应助结果提醒方式：
扫码关注我们
