Women's adoption of mobile money: an fsQCA analysis of national financial inclusion strategies, entrepreneurship, mobility, marriage, parenthood, and asset ownership

Ogundana, O ORCID: https://orcid.org/0000-0002-0121-7231, Umoru, U ORCID: https://orcid.org/0000-0001-9281-9344, Udeozor, V ORCID: https://orcid.org/0000-0002-7025-8221 and Verdie, J-F, 2025. Women's adoption of mobile money: an fsQCA analysis of national financial inclusion strategies, entrepreneurship, mobility, marriage, parenthood, and asset ownership. Strategic Change. ISSN 1086-1718 (Forthcoming)

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Abstract

This study examines gender disparities in mobile money (MOMO) adoption in Sub-Saharan Africa (SSA), focusing on how National Financial Inclusion Strategies (NFIS) interact with gender-based policies on entrepreneurship, mobility, marriage, parenthood, and asset ownership. Using fuzzy-set qualitative comparative analysis (fsQCA) across 16 SSA countries, we identify five policy configurations that generate high MOMO adoption among women. Findings reveal that no single factor is sufficient; instead, NFIS and gender-based policies operate interdependently to drive inclusion. Notably, in some contexts, NFIS are unnecessary, with policies on entrepreneurship and asset ownership proving more influential in enabling women's participation in MOMO ecosystems. By adopting a configurational perspective, this study advances understanding of the institutional and policy conditions underpinning digital financial inclusion. It contributes to debates on strategic change by highlighting how integrated, gender-responsive policies can transform financial access for women, reduce systemic inequalities, and foster more inclusive economic development in SSA.

Item Type:	Journal article
Publication Title:	Strategic Change
Creators:	Ogundana, O., Umoru, U., Udeozor, V. and Verdie, J.-F.
Publisher:	Wiley
Date:	14 November 2025
ISSN:	1086-1718
Identifiers:	Number Type 2531632 Other
Divisions:	Schools > Nottingham Business School
Record created by:	Jonathan Gallacher
Date Added:	19 Nov 2025 15:10
Last Modified:	19 Nov 2025 15:10
URI:	https://irep.ntu.ac.uk/id/eprint/54779

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