Institute for Money, Technology & Financial Inclusion

This study evaluated the impact of mobile banking products on the financial behaviors of Ghana’s urban poor in 2011, one year after their re-introduction into the country. With the use of semi-structured interviews and a document review, customer awareness of mobile money, perceived usefulness and trust of mobile money, and barriers to mobile money adoption were explored in low and high income residents of Accra, as well as market women and high end merchants.