Abstract
This work focuses on the mobile payments used in Africa, a means to help solve the financial inclusion problem on the continent. It builds on the unified theory of acceptance and use of technology (UTAUT). The results of the investigations on a sample of 238 subscribers of Orange Niger show that the facilitating conditions are as decisive as the development of solar batteries and smartphone democratization. Social influence, perceived usefulness and habits have little impact if not at all, and are consistent with the reality of the market. These results will enable telecom operators to refocus their deployment policies of the mobile payment service to enhance the financial inclusion. Key words: Financial inclusion, mobile payment, ICT adoption, UTAUT, Africa.
Highlights
Today, nearly seven billion people in the world use mobile services; Africa is seen as the emerging continent where a fast ICT use expansion has developed exponentially the mobile telephony
The purpose of this paper is to bring a well-researched framework of the use of mobile payment and regulatory situation in Niger through Orange Money (OM), as eWallet adaptation to the technology progress (Hamelin et al, 2001) offered by Orange Niger as a way of development enhancement
According to the previous reflections borrowed from literature, 6 assumptions were made: Hypothesis 1: "The perceived utility has a positive effect on the use of Orange Money" will allow to measure how the use of updated technology tools can improve the
Summary
Nearly seven billion people in the world use mobile services; Africa is seen as the emerging continent where a fast ICT use expansion has developed exponentially the mobile telephony. In Niger, telecommunication services are provided by four operators licensed to establish and run telecommunication networks and services: Orange Niger, integrated operator (fixed and mobile), Niger Telecom, Atlantic telecom Niger and Celtel Niger. They are all operating in the mobile segment. The regulation of the telecommunication ecosystem is ensured by the Postal and Telecommunication Regulatory Authority (ARTP). ARTP is responsible for ensuring compliance with regulations. In 2017, 19,865,066 inhabitants of the Niger counted 114,352 fixed subscribers and 8,778,884 mobile users with a penetration rate of 40.88%
Sign-in/Register to view highlights & summary Sign-in/Register to access full text options 
Free) 
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a call
