L' adoption des services financiers mobiles atténue-t-elle la vulnérabilité financière des petites entreprises ?
Le rôle de l’appui institutionnel
Mots-clés :
Services financiers mobiles, Vulnérabilité financière, Petites entreprises, Appui institutionnel, Inclusion financièreRésumé
Objectif : Cette étude examine l’impact de l’adoption des services financiers mobiles sur la vulnérabilité financière des petites entreprises au Bénin, en mettant l’accent sur le rôle modérateur du soutien gouvernemental.
Méthode : Les données ont été collectées au moyen d'une enquête par questionnaire auprès de 316 propriétaires de petites entreprises au Bénin. Ces données ont été analysées à l'aide de modèles d’équations structurelles et de l'analyse de la variance (ANOVA). La fiabilité et la validité du modèle de mesure ont été confirmées par des analyses factorielles exploratoires et confirmatoires.
Résultats : Les résultats révèlent que l’adoption des services financiers mobiles réduit considérablement la vulnérabilité financière des petites entreprises. De plus, une différence significative de vulnérabilité financière est observée entre les entreprises bénéficiant d’un soutien gouvernemental et celles qui n’en bénéficient pas, alors qu’aucune différence significative n’est constatée en termes d’adoption. Le soutien gouvernemental atténue non seulement directement la vulnérabilité financière, mais renforce également les effets positifs de l’adoption des services financiers mobiles sur cette vulnérabilité. L’effet modérateur du soutien gouvernemental montre que les entreprises qui ont adoptés les services financiers mobiles sont moins vulnérables financièrement lorsque l’adoption s’accompagne d’un soutien institutionnel.
Originalité/pertinence : Cette étude contribue à la littérature en intégrant les rôles des technologies financières modernes et des interventions gouvernementales dans la gestion des défis financiers des petites entreprises dans le contexte d’un pays en développement. Elle fait aussi des apport sur les effets synergétiques des services financiers mobiles et du soutien gouvernemental, offrant ainsi des perspectives pratiques aux décideurs politiques et aux institutions financières qui visent à promouvoir l’inclusion financière et la résilience des entreprises.
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