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FinTech ecosystem practices shaping financial inclusion: the case of mobile money in Ghana

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  • P. K. Senyo
  • Stan Karanasios
  • Daniel Gozman
  • Melissa Baba

Abstract

Financial technology (FinTech) is widely recognised as important in addressing financial inclusion. However, limited research theorises how new entrants and incumbents work together in FinTech ecosystems to shape financial inclusion. We undertake a theory-generating case study with multilevel interacting organisations in Ghana, where, like many other African countries, the growth in FinTech has led to new opportunities for financial inclusion. We conceptualise three practices, as building blocks at the ecosystem level, through which incumbents and new entrants shape financial inclusion: (1) innovative and collaborative practices, (2) protectionist and equitable practices, and (3) legitimising and sustaining practices. We articulate a theoretical model that explains how the practices shape financial inclusion and propose three theoretical propositions of how financial inclusion in developing countries is being scaled and shaped in terms of actors, relationships, and practices.

Suggested Citation

  • P. K. Senyo & Stan Karanasios & Daniel Gozman & Melissa Baba, 2022. "FinTech ecosystem practices shaping financial inclusion: the case of mobile money in Ghana," European Journal of Information Systems, Taylor & Francis Journals, vol. 31(1), pages 112-127, January.
    • Handle: RePEc:taf:tjisxx:v:31:y:2022:i:1:p:112-127
    DOI: 10.1080/0960085X.2021.1978342
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    Cited by:

    1. Xie, Chunyu & Ye, Linlin & Zhong, Nan & Wan, Wenjun, 2024. "Impact of digital finance on corporate green innovation: Exploring role of land resource misallocation in China," Resources Policy, Elsevier, vol. 91(C).
    2. Choudhary, Priya & Thenmozhi, M., 2024. "Fintech and financial sector: ADO analysis and future research agenda," International Review of Financial Analysis, Elsevier, vol. 93(C).
    3. Rui Ai & Yuhang Zheng & Serhat Yüksel & Hasan Dinçer, 2023. "Investigating the components of fintech ecosystem for distributed energy investments with an integrated quantum spherical decision support system," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 9(1), pages 1-28, December.
    4. Coffie, Cephas Paa Kwasi & Hongjiang, Zhao, 2023. "FinTech market development and financial inclusion in Ghana: The role of heterogeneous actors," Technological Forecasting and Social Change, Elsevier, vol. 186(PA).
    5. Tao, Zhe & Wang, Xican & Li, Jing & Wei, Xiaobei, 2023. "How can digital financial inclusion reduces relative poverty? An empirical analysis based on China household finance survey," Finance Research Letters, Elsevier, vol. 58(PC).
    6. Molla, Alemayehu & Biru, Ashenafi, 2023. "The evolution of the Fintech entrepreneurial ecosystem in Africa: An exploratory study and model for future development," Technological Forecasting and Social Change, Elsevier, vol. 186(PA).

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