Understanding Digital Tool Adoption Among Mobile Money Agents in Ghana

Abstract

Mobile money agents are central to Ghana’s digital finance ecosystem, yet many continue to rely on feature phones and manual recordkeeping. This limits their efficiency, restricts service diversification, and weakens their integration into the formal financial system. Given their role as the primary interface between digital finance and end users, particularly low-income and underbanked populations, their adoption of digital tools is critical to deepening financial inclusion.