文章基本信息

标题：ONLINE PAYMENT, INDIVIDUAL CHARACTERISTICS, AND DIGITAL FINANCIAL INCLUSION IN OIC COUNTRIES
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作者：Rizqi Umar Al Hashf ; Alyta Shabrina Zusryn ; Novi Lailatul Khoirunnisa 等
期刊名称：Journal of Islamic Monetary Economics and Finance
印刷版ISSN：2460-6146
电子版ISSN：2460-6618
出版年度：2020
卷号：6
期号：4
页码：767-788
DOI：10.21098/jimf.v6i4.1148
语种：English
出版社：Bank Indonesia
摘要：Digital financial inclusion (DFI) is a prominent issue in the digital era, since it focuseson the use of technology to serve unbanked people at low cost. The adoption ofmobile money platforms that allow users to make efficient peer-to-peer and real-timetransactions is one aspect of the DFI agenda. This study aims to investigate thedeterminants of mobile money usage using data derived from the 2017 GlobalFinancial Inclusion survey conducted by the World Bank and Gallup and applyingprobit regression and the Heckman selection model to check robustness. Eventhough access to a financial institution is relatively low, the percentage of mobilemoney usage in Organisation of Islamic Cooperation (OIC) countries is slightly higherthan in non-OIC countries and worldwide. The rate of adoption of mobile money ishigher for individuals making online transactions, with more educated and moreprosperous males tending to be more included in the use of digital financial services.The U-shape hypothesis for the relationship between age and the use of mobilemoney is not supported. Our research contributes to the theoretical development ofthe Unified Theory of Acceptance and Use of Technology 2 in illustrating the use ofmobile technology. The empirical results are recommended for use by practitioners,regulators and policymakers in creating and fostering a sound ecosystem for digitalfinance development.
关键词：Digital fnancial inclusion;Mobile money;Online payment;OIC countries