This project investigates the effects of mobile money in low- and middle-income countries through a stakeholder perspective, with particular attention to Orange Money in Mali.
The study examines how users, financial institutions, mobile operators, and regulators engage with mobile-money systems, and how their distinct motivations and constraints shape adoption and use.
The work draws on stakeholder theory, diffusion of innovation, and the unified theory of acceptance and use of technology in order to better understand the ecosystem around mobile-money services. Its broader purpose is to clarify how different actors experience digital financial systems and what that means for inclusion, trust, and implementation.
This is an unfunded project, but it resulted in a peer-reviewed publication that contributes to the discussion on ICT4D, digital inclusion, and technology adoption in African contexts.