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Analyzing the Relationship between Mobile Money Adoption and Usage and Financial Inclusion of MSMEs in Developing Countries: Mediating Role of Cultural Norms in Uganda

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  • George Okello Candiya Bongomin
  • John C. Munene

Abstract

The main purpose of this study is to analyze the mediating role of cultural norms in the relationship between mobile money adoption and usage and financial inclusion of micro small and medium enterprises (MSMEs) in developing countries. The results revealed existence of significant and positive mediating role of cultural norms in the relationship between mobile money adoption and usage and financial inclusion of MSMEs in developing countries with data collected from Uganda. Accordingly, the designers of digital financial products and mobile network operators (MNOs) should consider the role of cultural norms while inventing financial products and services offered through the mobile money channel.

Suggested Citation

  • George Okello Candiya Bongomin & John C. Munene, 2021. "Analyzing the Relationship between Mobile Money Adoption and Usage and Financial Inclusion of MSMEs in Developing Countries: Mediating Role of Cultural Norms in Uganda," Journal of African Business, Taylor & Francis Journals, vol. 22(1), pages 1-20, January.
    • Handle: RePEc:taf:wjabxx:v:22:y:2021:i:1:p:1-20
    DOI: 10.1080/15228916.2019.1695189
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    Cited by:

    1. Christelle Meniago, 2025. "Digital Financial Inclusion and Economic Growth: The Moderating Role of Institutions in SADC Countries," IJFS, MDPI, vol. 13(1), pages 1-19, January.
    2. Naito, Hisahiro & Ismailov, Askar & Kimaro, Albert Benson, 2021. "The effect of mobile money on borrowing and saving: Evidence from Tanzania," World Development Perspectives, Elsevier, vol. 23(C).
    3. Hisahiro Naito & Askar Ismailov & Albert Benson Kimaro, 2021. "The Effect of Mobile Money on Borrowing and Saving: Evidence from Tanzania," Tsukuba Economics Working Papers 2021-002, Faculty of Humanities and Social Sciences, University of Tsukuba.
    4. Hornuf, Lars & Safari, Kulondwa & Voshaar, Johannes, 2025. "Mobile fintech adoption in Sub-Saharan Africa: A systematic literature review and meta-analysis," Research in International Business and Finance, Elsevier, vol. 73(PA).

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