International records / OpenAlex research

MOBILE BANKING AND FINANCIAL INCLUSION IN NIGERIA: INSIGHTS FROM OPAY DIGITAL BANKING

Financial inclusion is central to sustainable development and economic empowerment, especially in developing countries like Nigeria. While OPay's mobile banking network has indeed spread rapidly throughout Nigeria, the actual extent to which it increases financial inclusion remains uncertain, hence leaving a gap in understanding its actual effectiveness for underserved populations. This study investigated the role of mobile banking in promoting financial inclusion in Nigeria, using OPay Digital Banking as a case study. The study was anchored on the Diffusion of Innovation Theory, complemented …