The lower levels of financial inclusion and severe financial inclusion gaps in Africa motivates the investigation of whether mobile phones, economic growth, bank competition and stability matter for financial inclusion. Data from 49 countries for the periods 2004-2016 were collected and analysed...

This paper analyses financial inclusion in Africa focusing on the role of political business cycles and pricing behaviour of banks. We employ a sample of 330 banks operating in 29 African countries to test for two related hypotheses. Panel fixed and random effects were estimated for the period...

Enabling everybody to benefit from regulated financial services has become a global policy goal. However, while access to accounts is increasing, use of accounts remains low. This micro-level study considers the transactions and savings components of financial inclusion, and investigates the...