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Essais sur l'essor des services financiers sur mobile dans les pays en développement et à son impact sur le comportement financier des individus

Abstract : This dissertation investigates determinants of mobile financial technology adoption and its consequences on individual financial behaviors in developing countries. It is structured around three chapters/self-contained papers. The first chapter explores the growing adoption of mobile financial technology in developing countries by distinguishing mobile money (use of a mobile phone to access financial services) from mobile banking (access of banking services using a mobile phone) and setting Sub-Saharan Africa against other developing countries. The results show that mobile money adoption dominates mobile banking in developing countries especially in Sub-Saharan Africa. Determinants of its adoption include macroeconomic factors, outreach of financial services, banking sector intermediation activities and especially remittances. The second chapter analyzes the impact of mobile money adoption on individual saving behavior by using individual-level survey data that we designed and conducted in 2014 in Burkina Faso. By distinguishing saving for predictable events from that for unpredictable events, the findings show that mobile money has a positive impact only on saving for unpredictable events especially saving for health emergencies. Precisely, the results show that disadvantaged groups who use mobile money are likely to save for health emergencies, and that safety and the availability of money transfers within the sub-region appear as factors that may explain the use of mobile money to save for health emergencies. The third chapter exploits the same survey data to analyze the impact of mobile money adoption on the usage of traditional (formal and informal) financial services. The results show that mobile money is preferred for deposits over traditional financial services because of the convenience that it provides in terms of relative access, risk, liquidity and privacy. Interestingly, the results reveal that the use of mobile money brings participants in informal deposit mechanisms and disadvantaged groups toward banks and credit unions.
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Serge Ky. Essais sur l'essor des services financiers sur mobile dans les pays en développement et à son impact sur le comportement financier des individus. Economics and Finance. Université de Limoges; Université de Ouagadougou (Burkina-Faso), 2016. English. ⟨NNT : 2016LIMO0077⟩. ⟨tel-01473930⟩

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