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This paper aims to focus on the effects of MM use and stockouts on informal microenterprise performance and investigate whether MM use mitigates the relationship between stockouts and firm performance.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Design\/methodology\/approach<\/jats:title><jats:p>This study utilizes firm-level data from the latest World Bank Informal Sector Enterprise Surveys across six SSA countries. We employ instrumental variable-adjusted and propensity score-weighted regressions to investigate the buffering effect of MM use.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Findings<\/jats:title><jats:p>We find a significantly positive effect of MM use and a significantly negative impact of stockouts on informal microenterprise performance. Importantly, we establish that MM use attenuates the negative impact of stockouts on firm performance. We further document that the attenuating effect of MM use is more profound for firms using MM for transactions with supply chain partners, located in communities with high MM use rates, and operating in the retail industry.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Practical implications<\/jats:title><jats:p>Our research generates important managerial and policy implications. Future policies should capitalize on MM to foster an effective financial ecosystem in which informal microenterprises can survive and grow, thereby deepening their contributions to sustainable development.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Originality\/value<\/jats:title><jats:p>Whereas the business benefits of MM among small, medium and large firms are well-documented, the role of MM use on informal microenterprise performance is less understood. This study fills the research gap in the literature by focusing on the influence of MM use on the relationships between informal microenterprise operations and performance.<\/jats:p><\/jats:sec>","DOI":"10.1108\/imds-04-2024-0289","type":"journal-article","created":{"date-parts":[[2024,9,24]],"date-time":"2024-09-24T08:44:29Z","timestamp":1727167469000},"page":"91-118","source":"Crossref","is-referenced-by-count":2,"title":["Mobile money, stockouts and informal microenterprise performance: evidence from sub-Saharan 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