Descrição
In Sub-Saharan Africa, the expansion of digital banking is revolutionizing rural entrepreneurship by closing gaps in financial access and fostering the growth of small and medium-sized businesses (SMEs). This study investigates how enhanced capital access, transaction efficiency, and financial literacy are achieved by rural businesses through the use of digital financial services, fintech platforms, and mobile banking. Through the analysis of four selected Sub-Saharan countries, the study emphasizes how inclusive digital infrastructure may promote economic resilience, lower poverty, and encourage creativity in marginalized populations. The results highlight digital banking's role as a driver of the region's entrepreneurial expansion and sustainable rural development. Using the Technology Acceptance Model (TAM) and Customer Relationship Management (CRM) frameworks, this study explores how digital banking empowers rural SMEs in Sub-Saharan Africa, highlighting their role in job creation, innovation, and economic resilience as drivers of national development. The impact of CRM elements like trust and engagement and TAM factors like perceived utility and simplicity of use on the uptake of digital banking and financial inclusion was examined. In order to verify these associations empirically, a Chi-square test of independence was used to evaluate the link between financial inclusion outcomes, like account ownership and the use of digital payments, and categorical variables that indicate TAM and CRM aspects. The Chi-square computation yielded statistically significant results (χ² = 11.136, df = 4, p < 0.05), confirming that user perceptions and relationship strategies are meaningfully linked to financial inclusion in rural environments. The findings demonstrate that digital banking adoption is not random but influenced by behavioral and relational factors, reinforcing the importance of user-centric design and trust-building in digital financial services. This case study affirms that TAM and CRM, when strategically applied, enhance digital banking’s role in bridging financial gaps and empowering rural populations across the Sub-Saharan Africa region.
Keywords: Digital Banking , Financial Inclusion, Rural Entrepreneurship, SMEs Empowerment, Fintech Innovation, Technology Acceptance Model(TAM), Customer Relationship Management(CRM)
| Selecione a modalidade do seu trabalho | Artigo Completo |
|---|
