ICT, Financial Sector Development and Financial Access

Asongu, Simplice A.; Nwachukwu, Jacinta C.

doi:10.1007/s13132-017-0477-x

Cited by 30 publications

(19 citation statements)

References 75 publications

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…Troisièmement, comme nous l'avons expliqué précédemment, les SI contribuent de façon importante à l'empreinte environnementale d'une organisation et de son secteur . Incidemment, la pénétration des TI est très élevée dans le secteur financier (Asongu & Nwachukwu, 2017), de sorte que les entreprises ont donc commencé à prendre conscience de l'ampleur de leurs investissements dans ces technologies et de leur impact sur l'environnement, d'où leur engagement à l'égard des Green IS (Jones et al, 2017) . Chez Deutsche Bank, par exemple, les technologies de l'information sont utilisées pour soutenir les objectifs de neutralité carbone en réduisant les émissions liées aux déplacements, en diminuant la consommation de papier et en améliorant l'efficacité énergétique de leurs centres de données d'entreprise (Towbridge, 2010) .…”

Section: Choix Du Secteur Financierunclassified

Modèle théorique de projets de Green IS : une spécification des relations entre objectifs, compétences et culture environnementale

Trid¹,

Corbett²,

Bouchard³

2019

Systèmes d'Information &Amp; Management

View full text Add to dashboard Cite

Volume 24 Issue 1 Article 2 Modèle théorique de projets de Green IS : une spécification des Modèle théorique de projets de Green IS : une spécification des relations entre objectifs, compétences et culture relations entre objectifs, compétences et culture environnementale environnementale Follow this and additional works at: https://aisel.aisnet.org/sim Recommended Citation Recommended Citation Trid, Salma; Corbett, Jacqueline; and Bouchard, Lyne () "Modèle théorique de projets de Green IS : une spécification des relations entre objectifs, compétences et culture environnementale," Systèmes d'Information et Management: Vol. 24 : Iss. 1 , Article 2. Available at: https://aisel.aisnet.org/sim/vol24/iss1/2 This material is brought to you by the AIS Affiliated and Chapter Journals at AIS Electronic Library (AISeL). It has been accepted for inclusion in Systèmes d'Information et Management by an authorized administrator of AIS Electronic Library (AISeL). For more information, please contact elibrary@aisnet.org. N° 1 -VOL. 24 -2019 7 ARTICLE DE RECHERCHE Modèle théorique de projets de Green IS : une spécification des relations entre objectifs, compétences et culture environnementale RÉSUMÉ Afin d'assurer une meilleure performance environnementale, les organisations s'engagent dans diverses initiatives vertes, y compris celles impliquant les systèmes et technologies d'information.Cependant, notre compréhension des projets Green IS reste incomplète. Cette recherche vise à améliorer cette compréhension en analysant l'influence de trois facteurs sur les impacts environnementaux des projets Green IS : les objectifs environnementaux, les compétences mobilisées et la culture environnementale. Des études de cas exploratoires de sept projets de Green IS dans le secteur financier ont été réalisées, ce qui a permis l'élaboration d'un nouveau modèle théorique. Celui-ci définit une nouvelle variable, en l'occurrence la notion de perception d'un projet de Green IS. À cet égard, nous suggérons que celle-ci est influencée directement par les objectifs d'un projet et par son impact environnemental. Toutefois, ces objectifs influencent aussi indirectement les impacts dans la mesure où ils déterminent le choix des compétences mobilisées. La culture environnementale de l'organisation joue aussi un rôle à travers les programmes de sensibilisation et le renforcement de l'identité verte des membres du personnel. Nous avons constaté en la matière que même les projets marqués par l'absence d'objectifs environnementaux ou de compétences en développement durable peuvent avoir des retombées environnementales positives parce que les employés impliqués prennent des décisions plus écoresponsables. Cette recherche contribue à la réflexion scientifique en révélant les dynamiques complexes des projets de Green IS, fournissant ainsi une base pour la réalisation d'études ultérieures. Sur un plan plus pratique, ses conclusions permettent d'identifier différentes voies que les organisations peuvent emprunter pour mieux gérer leurs initiatives environnementa...

show abstract

Section: Choix Du Secteur Financierunclassified

Modèle théorique de projets de Green IS : une spécification des relations entre objectifs, compétences et culture environnementale

Trid¹,

Corbett²,

Bouchard³

2019

Systèmes d'Information &Amp; Management

View full text Add to dashboard Cite

show abstract

“…For example, this would create a platform for integrating mobile money and VSLAs as a development initiative. Of course, previous studies have analysed the effects of mobile money on financial inclusion and entrepreneurship (see FinMark Trust, 2016;Asongu and Nwachukwu, 2017) while others have assessed the impact of VSLAs on financial inclusion and entrepreneurship (see Karlan et al, 2017). These studies have found positive impacts of both VSLAs and mobile money services on financial inclusion and entrepreneurship.…”

Section: Problem Statement and Relevance Of The Studymentioning

confidence: 99%

“…The study tested the following null hypotheses: Both hypotheses stem from literature (see FinMark Trust, 2016;Asongu and Nwachukwu, 2017;Karlan et. al., 2017), we expect the trainings that introduce the mobile money services to open the participants to services that offer them security as well as ease of transacting with the fellow group members.…”

Section: Study Hypothesesmentioning

confidence: 99%

Can Mobile Money Induce Financial and Entrepreneurial Behaviors of Members of Village Savings and Loan Associations in Rural Malawi?

Chiwaula¹

2018

AEA Randomized Controlled Trials

View full text Add to dashboard Cite

Over 70% of Malawians living in rural areas are excluded from the formal financial sector, which has led to a drive in government's efforts towards increasing financial inclusion through expansion of digital payment systems and group savings (most importantly the Village Savings and Loan Associations (VSLAs)), amongst others. The main aim of the study therefore was to measure the impact of mobile money and financial literacy training together with reminder SMSs among VSLAs members would induce financial inclusion and entrepreneurial outcomes. This was achieved through the implementation of a clustered randomized control trial in two purposively selected districts in Malawi. The trial had two randomly selected study groups each with 21 randomly selected VSLAs: (1) The control arm which received no intervention;and (2) The treatment arm which received face to face training on use of mobile money services for business, financial inclusion, and SMSs reminders on the content of the trainings. We used the Analysis of Covariance (ANCOVA) regression analysis to estimate the casual effect of the intervention. The results indicate that mobile money and financial literacy promotion impacted on knowledge of mobile money services and utilisation of mobile money services. The findings show that the treatment effect of the intervention on the knowledge to use mobile to save money was 6% and the effect on the knowledge that they can take loans was 5%. The treatment effects on usage of mobile money to receive money and usage of mobile money to save money were 10% and 5%, respectively. The treatment also led to the digitization of VSLAs by 7%. With these findings, we conclude that mobile money and financial literacy training together with reminder SMSs has positive impact on mobile money knowledge and utilisation to individuals and VSLAs. The experiment fails to show significant treatment effect on financial inclusion and entrepreneurial behaviour partly due to the length and the timing of the experiment. Further research should consider observing the participants for a longer period.3

show abstract

“…However, majority of the studies have focused on the implications of ICT for economic growth (Chavula, 2013; Das, Chowdhury, & Seaborn, 2018; Hanclova, Doucek, Fischer, & Vltavska, 2015; Holt & Jamilson, 2009; Koutroumpis, 2009; Niebel, 2018; Sassi & Goaied, 2013; Sepehrdoust, 2018; Shamim, 2007). More recently, Asongu and Nwachukwu (2017) examined the role of ICT proxied by internet and mobile phone penetration in complementing financial sector development for financial access in Africa. The authors find that the interaction between ICT and financial formalization (informalization) lowers (improves) financial activity.…”

Section: Introductionmentioning

confidence: 99%

“…Indeed, ICT in developing countries crucially aid in diffusing information between market participants thus facilitating financial access by reducing the cost of marketing and enhancing participation in the financial market (Muto & Yamano, 2009) and decreasing information asymmetry (Aminuzzaman, Baldersheim, & Jamil, 2003). In this case, ICT reduces informational rents associated with the high cost of credit because it diffuses information that potentially bridges the gap between borrowers and lenders (Asongu and Nwachukwu (2017). Thus, improved ICT environment predicates well‐developed financial sector.…”

Section: Introductionmentioning

confidence: 99%

An application of frequency domain approach to the causal nexus between information, communication and technology infrastructure and financial development in selected countries in Africa

2020

View full text Add to dashboard Cite

Earlier studies on the causal relationship between information, communication and technology (ICT) and financial development have relied on a time domain approach, which does not distinguish among the various forms of causality at the different time periods. In this study, we re‐examine the causality nexus between ICT infrastructure and domestic level of financial development in 19 selected countries in Africa using a frequency domain spectral causality test technique that corrects the weaknesses eminent in the existing studies. Our findings suggest that, for most frequency levels, ICT infrastructure and domestic level of financial development in several countries are completely independent confirming the neutrality hypothesis. This holds irrespective of the measure of ICT and finance. We also find evidence to support the demand‐following hypothesis, supply leading hypothesis and feedback hypothesis at different time periods for the different countries under study. Given the findings, we argue that the causal relationship between ICT and financial development is not straightforward as suggested by the existing studies. In addition to indicator of ICT and finance, the extent to which countries' ICT infrastructure relates with their domestic financial sector development is contingent on whether the country is operating in the short, intermediate or long run.

show abstract

ICT, Financial Sector Development and Financial Access

Abstract: This study assesses the role of ICT (internet and mobile phone penetration) in complementing financial sector development (financial formalization and informalization) for JEL Classification: G20; G29; L96; O40; O55

Cited by 30 publications

References 75 publications

Modèle théorique de projets de Green IS : une spécification des relations entre objectifs, compétences et culture environnementale

Modèle théorique de projets de Green IS : une spécification des relations entre objectifs, compétences et culture environnementale

Can Mobile Money Induce Financial and Entrepreneurial Behaviors of Members of Village Savings and Loan Associations in Rural Malawi?

An application of frequency domain approach to the causal nexus between information, communication and technology infrastructure and financial development in selected countries in Africa

Contact Info

Product

Resources

About