DETERMINANTS DE L’INNOVATION NUMERIQUE ET INCLUSION FINANCIERE EN CONTEXTE CAMEROUNAIS
DOI :
https://doi.org/10.59051/joaf.v17i1.1006Mots-clés :
Inclusion financière, Innovation Numérique, Financial ServicesRésumé
Abstract:
Objective: The aim of this research is to examine the effect of digital innovation determinants on financial inclusion in the cameroonian context.
Methodology: Correlation tests and multiple linear regressions were used on a sample of 194 individuals selected for convenience due to their profiles, which were generally not easily integrated into the traditional financial sector in the past. Data is collected using a questionnaire.
Results: The results show that digital financial services significantly promote financial inclusion among different segments of the population, especially the most disadvantaged. Mobile banking, for example, facilitates online transactions such as money transfers, bill payments, and access to many other financial products. However, difficulties in accessing the internet, low digital literacy, and the costs of digital services tend to compromise access to various financial products in the Cameroonian context. All of these factors constitute major constraints that are likely to limit the spread of financial inclusion to all segments of the population.
Originality/Relevance: While empirical literature generally shows that the link between digital innovation and financial inclusion is positive and unequivocal in developed countries based on secondary data, this study, conducted in a context with multiple constraints and based on primary data, is not only one of the first to our knowledge, but above all, it teaches us that the infrastructural constraints limiting the functioning of digital technologies are numerous and determine the level of financial inclusion observed in Cameroon.
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© Pierre Ghislain TCHOFFO TIOYEM, PISSO EKWA NSEKE, Elisabeth Flore NKAMA, Magloire 2026
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