英文文献：Working Paper 323- Mobile Financial and Banking Services Development in Africa
英文文献作者：Christian Lambert Nguena
英文文献摘要：
Using a new database for mobile financial and banking services across countries, we analyze propoor and inclusive growth in developing countries and show the importance of mobile financial and banking development. This paper uses several econometric techniques to investigate mobile finance and banking benchmarking, determinants, and real impacts on inclusive growth in developing countries in Africa. The statistical benchmarking analysis reveals that there is a positive link between mobile banking development and economic development. Estimation of our model, using different specification and estimation techniques, shows the same result: a positive impact of mobile finance and banking development on both pro-poor and inclusive economic growth. These main findings suggest that policies to boost mobile finance and banking development in Africa should be viewed as measures that would yield fruit in the medium to long terms. Moreover, we find determinants of mobile finance and banking to be: banking sector domestic credit, human capital, remittances, credible monetary policy, infrastructure, and trade. Since mobile banking development matters for pro-poor and inclusive growth, African governments should pursue good performance in terms of these determinants by implementing specific and robust economic policies. JEL classification: G21, R1, O4Keywords: Mobile finance and banking, Africa, principal component analysis, financial innovation, financial inclusion