This research seeks to understand whether and how m-money can promote financial inclusion of the world’s poor, particularly those living in rural areas. In particular, the purpose of this research is to address some of the potential barriers to m-money adoption and usage in Ghana, with a goal towards providing insights into whether m-money services could be used to: 1) provide cash transfers to extremely vulnerable populations; 2) facilitate savings within rural areas, either by allowing individual members of savings groups to save, facilitating savings among different savings or promoting savings objectives; or 3) allow households to receive remittances from migrants.
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