{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,7,16]],"date-time":"2026-07-16T21:54:53Z","timestamp":1784238893890,"version":"3.55.0"},"reference-count":98,"publisher":"Emerald","issue":"1","license":[{"start":{"date-parts":[[2018,2,5]],"date-time":"2018-02-05T00:00:00Z","timestamp":1517788800000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.emerald.com\/insight\/site-policies"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["ITP"],"published-print":{"date-parts":[[2018,2,5]]},"abstract":"<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Purpose<\/jats:title>\n<jats:p>The purpose of this paper is to assess the correlations between mobile banking and inclusive development (poverty and inequality) in 93 developing countries for the year 2011.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Design\/methodology\/approach<\/jats:title>\n<jats:p>Mobile banking entails the following: \u201cmobile phones used to pay bills\u201d and \u201cmobile phones used to receive\/send money\u201d, while the modifying policy indicator includes the human development index (HDI). The data are decomposed into seven sub-panels based on two fundamental characteristics: regions (Latin America, Asia and the Pacific, Central and Eastern Europe, and Middle East and North Africa) and income levels (upper middle income, lower middle income and low income).<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Findings<\/jats:title>\n<jats:p>The results show that at certain thresholds of the HDI, mobile banking is positively linked to inclusive development. The following specific findings are established. First, the increased use of mobile phones to pay bills is negatively correlated with: poverty in lower-middle-income countries (LMIC), upper-middle-income countries (UMIC) and Latin American (LA) countries, respectively, at HDI thresholds of 0.725, 0.727 and 0.778 and inequality in UMIC and LA with HDI thresholds of, respectively, 0.646 and 0.761. Second, the increased use of mobile phones to send\/receive money is negatively correlated with: poverty in LMIC, UMIC and Central and Eastern European (CEE) countries with corresponding HDI thresholds of 0.631, 0.750 and 0.750 and inequality in UMIC, CEE and LA at HDI thresholds of 0.665, 0.736 and 0.726, respectively.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Practical implications<\/jats:title>\n<jats:p>The findings are discussed in the light of current policy challenges in the transition from the UN\u2019s Millennium Development Goals to Sustainable Development Goals.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Originality\/value<\/jats:title>\n<jats:p>The authors have exploited the only macroeconomic data on mobile banking currently available.<\/jats:p>\n<\/jats:sec>","DOI":"10.1108\/itp-12-2015-0295","type":"journal-article","created":{"date-parts":[[2018,1,3]],"date-time":"2018-01-03T19:09:44Z","timestamp":1515006584000},"page":"63-83","source":"Crossref","is-referenced-by-count":82,"title":["Comparative human development thresholds for absolute and relative pro-poor mobile banking in developing countries"],"prefix":"10.1108","volume":"31","author":[{"given":"Simplice","family":"A. 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