The effect of information technology (IT) on household income among farmers in Ghana: How does access to financial services serve as a mediator

n emerging countries, information technology (IT) and access to financial services (AFS) are critical determinants determining household income. However, little is known about how IT and AFS work together to increase home wellbeing. This research aims to look into the influence of access to financial services in mediating the impact of IT on household income in Ghana. The study investigates the role of social networks as a moderator in the IT-AFS interaction. A multi-stage sampling strategy was used to collect data from 478 farmers for this study. The study discovered that having access to technology and financial services increases household income. Due to the mediation role of access to financial services, the positive impact of access to IT on household income was also proven. The variable, social network, influenced these mechanisms. This research shows how having access to technology and financial inclusion can help people get out of poverty. This work adds to the body of knowledge. The paper includes policies for ensuring IT and AFS development to improve the welfare of rural households.