Fintech adoption in Pakistan: Mobile Wallet Service (MWS) over GDP causality evidence for pre and post COVID-19

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dc.authorid0000-0002-3055-7729
dc.authorid0000-0002-5738-7563
dc.contributor.authorLatif, Muhammad Nouman
dc.contributor.authorÖzcan, Rasim
dc.date.accessioned2024-04-02T08:45:11Z
dc.date.available2024-04-02T08:45:11Z
dc.date.issued2023
dc.departmentİHÜ, Yönetim Bilimleri Fakültesi, İktisat Bölümüen_US
dc.departmentİHÜ, Lisansüstü Eğitim Enstitüsü, İktisat Ana Bilim Dalı
dc.description.abstractThis paper aims to analyze the use of mobile wallet services in Pakistan and how they affect both the economy and people's daily lives. Socioeconomically disadvantaged households in Pakistan will swiftly use mobile wallet services due to the increasing adoption of technology. Socioeconomic considerations are the most commonly used criterion for determining whether someone is underbanked or unbanked. We used data on mobile wallet services (MWS) and GDP from the State Bank of Pakistan for the period of 2013 to 2022. We conducted a causality test to ascertain the relationship between Pakistan's GDP and mobile wallet service. We discovered that the relationship between mobile wallet service and GDP is unidirectional. We then conducted an ordinary least square regression analysis, and the findings showed a positive correlation between GDP and mobile wallet service, confirming the causality. Because it is incredibly user-friendly and convenient for clients, it demonstrates that this service attracts attention from the public. Many low-income individuals use it, especially during the COVID-19 pandemic, as opposed to using standard banking systems. We recommend that financial literacy initiatives be taken seriously in order to promote equal financial inclusion in the economy. Mobile wallet users should be encouraged to keep using the service in order to aid the government in revenue mobilization. Additionally, it prevents the movement of illicit funds or fraudulent activity in the financial sector.
dc.identifier.citationLatif, M. N. ve Özcan, R. (2023). Fintech adoption in Pakistan: Mobile Wallet Service (MWS) over GDP causality evidence for pre and post COVID-19. Journal of Research & Reviews in Social Sciences Pakistan, 6(1), 1999-2011.
dc.identifier.endpage2011
dc.identifier.issn2617-5029
dc.identifier.issue1
dc.identifier.startpage1999
dc.identifier.urihttps://hdl.handle.net/20.500.12154/2777
dc.identifier.volume6
dc.institutionauthorLatif, Muhammad Nouman
dc.institutionauthorÖzcan, Rasim
dc.institutionauthorid0000-0002-3055-7729
dc.institutionauthorid0000-0002-5738-7563
dc.language.isoen
dc.publisherKinnaird College for Women
dc.relation.ispartofJournal of Research & Reviews in Social Sciences Pakistan
dc.relation.publicationcategoryMakale - Uluslararası Hakemli Dergi - Öğrenci
dc.relation.publicationcategoryÖğrenci
dc.rightsinfo:eu-repo/semantics/openAccess
dc.subjectMobile Wallet Services
dc.subjectCausality
dc.subjectCOVID-19
dc.subjectEconomic Growth
dc.subjectFinancial Inclusion
dc.titleFintech adoption in Pakistan: Mobile Wallet Service (MWS) over GDP causality evidence for pre and post COVID-19
dc.typeArticle
dspace.entity.typePublication
relation.isAuthorOfPublication6d8c0e0e-dd75-4202-8a3f-76230fd2a682
relation.isAuthorOfPublication.latestForDiscovery6d8c0e0e-dd75-4202-8a3f-76230fd2a682

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