The Official Journal of the Pan-Pacific Association of Input-Output Studies (PAPAIOS)
Table 5 Two-stage procedure: adoption of digital financial inclusion technologies and distance to towers (stage one: adoption of digital devices)
From: The impact of network coverage on adoption of Fintech and financial inclusion in sub-Saharan Africa
Variables | GSM | UMTS | LTE | |||
|---|---|---|---|---|---|---|
Account | Phone | Account | Phone | Account | Phone | |
GSM | − 0.151*** (0.0375) | − 0.279*** (0.0133) | ||||
UMTS | − 0.153*** (0.0288) | − 0.250*** (0.0118) | ||||
LTE | − 0.0378*** (0.0145) | − 0.125*** (0.00898) | ||||
Female | − 0.0403 (0.0396) | − 0.211*** (0.0271) | − 0.0517 (0.0385) | − 0.215*** (0.0272) | − 0.0215 (0.0378) | − 0.193*** (0.0269) |
HHsize | − 0.0100 (0.00751) | − 0.0149*** (0.00558) | − 0.0106 (0.00750) | − 0.0159*** (0.00558) | − 0.0110 (0.00752) | − 0.0165*** (0.00554) |
Employed | 0.499*** (0.0703) | 0.663*** (0.0462) | 0.521*** (0.0637) | 0.666*** (0.0462) | 0.512*** (0.0706) | 0.717*** (0.0459) |
Self employed | 0.163*** (0.0566) | 0.350*** (0.0338) | 0.185*** (0.0536) | 0.363*** (0.0338) | 0.157*** (0.0541) | 0.339*** (0.0334) |
No education | − 0.668*** (0.112) | − 0.835*** (0.0366) | − 0.719*** (0.0953) | − 0.840*** (0.0365) | − 0.668*** (0.110) | − 0.886*** (0.0361) |
Student | 0.255*** (0.0691) | − 0.406*** (0.0420) | 0.237*** (0.0679) | − 0.404*** (0.0420) | 0.281*** (0.0648) | − 0.362*** (0.0417) |
Retired | − 0.217** (0.0860) | − 0.225*** (0.0579) | − 0.225*** (0.0849) | − 0.217*** (0.0579) | − 0.200** (0.0848) | − 0.195*** (0.0577) |
Computer | 0.433*** (0.0529) | 0.427*** (0.0531) | 0.457*** (0.0526) | |||
Assets | 0.165*** (0.0560) | 0.406*** (0.0416) | 0.172*** (0.0530) | 0.398*** (0.0416) | 0.161*** (0.0542) | 0.389*** (0.0409) |
Constant | 0.470*** (0.0789) | 1.254*** (0.0599) | 0.457*** (0.0775) | 1.260*** (0.0598) | 0.479*** (0.0781) | 1.416*** (0.0660) |
Observations | 12,650 | 12,650 | 12,650 | 12,650 | 12,650 | 12,650 |