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Steve Douanla Meli and Benjamin Fomba Kamga
''Unobserved heterogeneity in the analysis of mobile financial services use: Evidence from the City of Yaoundé''
( 2023, Vol. 43 No.1 )
This study analyzes the use of mobile financial services (MFS) in the city of Yaoundé. Specifically, using data collected from 1200 individuals, it identifies the factors that explain the use of the different MFS available in this city through logistic regressions. Then, an extension of these analyses is proposed by the regression of a multivariate Probit under the hypothesis of interdependence between the different uses. Finally, a control function approach is used to correct for unobserved heterogeneity in the different MFS use equations. The results reveal that socio-economic factors such as age, socio-professional status and education level, functional factors, namely perceived safety and ease of use, and extra-functional factors, namely perceived usefulness, differentially affect MFS use in Yaoundé.
Keywords: Unobserved Heterogeneity, Mobile Financial Services, Use, Yaoundé
JEL: O3 - Technological Change; Research and Development: General
Manuscript Received : Jul 17 2022 Manuscript Accepted : Mar 30 2023

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