The Effects Of Mobile Phone Technology On Financial Inclusion In Ghana
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- Internet Access, Affordability And Use
: Robert Nii-Adu Arday
This study explores the ownership and usage of mobile telephony technology of households in Ghana to ascertain their impact on financial inclusion. The objectives therefore were to assess the determinants of mobile telephony adoption in Ghana and to determine whether mobile telephony technology can be leveraged to achieve financial inclusion in Ghana. It also looks at whether access to financial services enhances the capacity of households to own and use mobile phones. The results of the study show that mobile penetration; that is mobile phone ownership and usage can be leveraged on to achieve financial inclusion in Ghana. Again, the results further show that financial inclusion of households significantly increases the probability of mobile phone ownership and usage. The results further indicate that males are more likely to own mobile phones than females.
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