“…Senyo & Osabutey, 2020; Koomson et al, 2022Taewoo et al, 2022Belanche et al, 2019 Impact Financial inclusion, people's welfare, empowerment, digital financialisation, platform surveillance, datafication, and information capitalism Micro and meso level analysis (e.g., Individual users, and MNOs) Kikulwe et al, 2014;N'dri & Kakinaka, 2020;Senyo et al, 2021Jain & Gabor, 2020Lagna & Ravishankat 2021;Mann, 2017;Taylor & Broeders, 2015 Studies in the design/innovation research stream focus on the innovation process of FinTech. These studies demonstrate how meso level actors-organisational level players such as FinTech firms, banks, and MNOs-develop and offer FinTech innovations as well as reframe financial service ecosystems (Muthukannan et al, 2020;Ng et al, 2022). Meso level actors, especially those in global south countries, determine which services are delivered through mobile money and prescribe how the technology is intended and used.…”