@incollection{, 9AAD124BD747DE137122A548B674B324 , author={{TimbiSezard} and {Abessolo YvesAndre} and {University of Ngaoundéré-Cameroon}}, journal={{Global Journal of Human Social Sciences}}, journal={{GJHSS}}2249-460X0975-587X10.34257/GJHSS, address={Cambridge, United States}, publisher={Global Journals Organisation}2023747 } @incollection{b0, , title={{Political origins of financial structure}} , author={{ SBhattacharyya }} , journal={{Journal of comparative Economics}} 41 4 , year={2013} } @incollection{b1, , title={{An impact of ICT on the growth of capital market: Empirical evidence from Indian Stock market Exchange}} , author={{ ABhunia }} , booktitle={{Information and knowledge Management}} , year={2011} 2 } @incollection{b2, , title={{The impact of inflation on financial sector performance}} , author={{ JHBoyd } and { RLevine } and { DSBruce }} , journal={{Journal of Monetary Economics}} 47 2 , year={2011} } @incollection{b3, , title={{The evolution of debt and equity markets in economic development}} , author={{ JHBoyd } and { BDSmith }} , journal={{Economic Theory}} 12 3 , year={1998} } @incollection{b4, , title={{Dark pools, internalization and equity market quality}} , journal={{Charlottesville: Chartered financial Analyst Institute}} , year={2012} CFA Institute } @incollection{b5, , title={{Does Investment in ICT Curb or Create More Corruption? A Cross-Country Analysis}} , author={{ PCharoensukmongkol } and { MEt } and { Moqbel }} , journal={{Public Organization Review}} 14 1 , year={2014} } @book{b6, , title={{Econometrics}} , author={{ GCChow }} , year={1983} , publisher={McGraw-Hill} , address={New York} } @incollection{b7, , title={{Access to Financial Services: A Review of the Issues and Public Policy Objectives}} , author={{ SClaessens }} , journal={{Oxford Journals}} 21 , year={2006} } @incollection{b8, , title={{The Nature of the Firm}} , author={{ RHCoase }} , journal={{Economica}} 4 , year={1937} } @book{b9, , title={{The Global Findex Database 2017: measuring financial inclusion and the Fintech revolution}} , author={{ ADemirgüc-Kunt } and { LKlapper } and { DSinger } and { SAnsar } and { S } and { JHess }} , year={2018} , publisher={The World Bank} } @incollection{b10, , title={{The digital divide: current and future research directions}} , author={{ SDewan } and { FJRiggins }} , journal={{Journal of the Association for Information Systems}} 6 12 , year={2005} } @incollection{b11, , title={{Triggers and barriers to financial inclusion: the use of ICT-based branchless banking in an amazon country}} , author={{ EDiniz } and { RBirochi } and { MPozzebon }} , journal={{Electronic Commerce Research and applications}} 11 , year={2011} } @incollection{b12, , title={{Research approaches to mobile use in the developing world: a review of the literature}} , author={{ JDonner }} , journal={{The Information Society}} 24 3 , year={2008} } @incollection{b13, , title={{Capital market growth and information technology: empirical evidence from Nigeria}} , author={{ BCEzirim } and { URAdebajo } and { UElike } and { IMMuoghali }} , journal={{International Journal of Business and Economics Perspectives}} 4 1 , year={2009} } @incollection{b14, , title={{}} , journal={{Financial Access Survey IMF data}} , year={2018} } @book{b15, , title={{}} , author={{ Disponible }} } @incollection{b16, , title={{Innovation in retail banking}} , author={{ FXFrei } and { PTHarker } and { LWHunter } and { LW }} , journal={{National Research Council's Board on Science}} , year={1997} , note={Technology, and Economic Policy. Conference on America's Industrial Resurgence} } @book{b17, , title={{TIC) Promeuvent-Elles L'inclusion Financière En Afrique Sub-Saharienne ? Do Information and Communication Technologies (ICTS) Promote Financial Inclusion in Sub-Saharan Africa? Sources and Prospects. 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A panel data dynamic analysis for the Asian developing countries}} , author={{ MSHabibullah } and { Y-KEng }} , journal={{Journal of the Asia Pacific Economy}} 11 4 , year={2006} } @book{b23, , title={{Index of economic freedom}} , year={2018} , note={Heritage Fondation} } @incollection{b24, , title={{Financial Innovation, multinational banking and monetary policy}} , author={{ DHicks } and { JNiehans }} , journal={{Journal of banking and finance}} , year={1983} } @incollection{b25, , title={{Technology and financial development}} , author={{ AIllyina } and { RSamaniego }} , journal={{Journal of Money Credit and Banking}} 43 5 , year={2011} } @incollection{b26, , title={{Testing for unit roots in heterogeneous panels}} , author={{ KSIm } and { MHPesaran } and { YShin }} , journal={{Journal of Econometrics}} 115 1 , year={2003} } @incollection{b27, , title={{}} , journal={{International Telecommunication Union}} , year={2018} } @book{b28, , title={{}} , author={{ Disponible }} } @incollection{b29, , title={{Measuring Financial Access around the World}} , author={{ JKendall } and { NMylenko } and { APonce }} , journal={{Policy Research Working Paper}} 5253 , year={2010} , publisher={The World Bank} } @book{b30, , title={{The diffusion of mobile phones and its impact on financial inclusion and economic growth}} , author={{ MLundqvist } and { FErlandsson } and { PEt Hansson }} , year={2014} Lund University School of Economics and Management } @incollection{b31, , title={{Does financial development explain the cyclicality of monetary policy in sub-saharan Africa?}} , author={{ MN I MMondjeli } and { CMMbassi }} , journal={{Journal of Economic Development}} 43 4 , year={2018} } @incollection{b32, , title={{An economic theory of technological change}} , author={{ WDNordhaus }} , journal={{The American Economic Review}} 59 2 , year={1969} } @incollection{b33, , title={{ICT adoption and financial markets: a study of leading stock exchange markets in Africa}} , author={{ ATOkwu }} , journal={{Journal of Accounting and management}} 2 , year={2015} } @incollection{b34, , title={{Determinants of Financial Inclusion in Africa: A Dynamic Panel Approach}} , author={{ EOlaniyi } and { BYAdeoye ; C } and { RMercado }} , journal={{Asian Development Bank Economics Working Paper Series}} 22 426 , year={2016. 2015} University of Mauritius Research Journal , note={Financial inclusion, poverty, and income inequality in developing Asia} } @book{b35, , title={{Technological revolutions and financial capital}} , author={{ CPerez }} , year={2003} , publisher={Edward Elgar Publishing} } @incollection{b36, , title={{A simple panel unit root test in the presence of cross section dependance}} , author={{ MPesaran }} , journal={{Journal of Applied Econometrics}} 22 , year={2007} } @book{b37, , title={{General diagnostic tests for cross section dependence in panels}} , author={{ MPesaran } and { H }} , year={2004} , note={IZA Discussion Paper N°1240} } @incollection{b38, , title={{Spread of risk across financial markets: better to invest in the peripheries}} , author={{ FPozzi } and { TDi Matteo } and { TAste }} , journal={{Scientific Reports}} 3 , year={2013} } @book{b39, , title={{Diffusions of Innovations}} , author={{ EMRogers }} , year={1983} , publisher={Free Press} , address={New York} , note={3rd Ed} } @book{b40, , title={{Diffusion of innovations}} , author={{ EMRogers }} , year={2003} 5 } @book{b41, , title={{}} , author={{ Ed }} , publisher={Free Press} , address={New York} } @incollection{b42, , title={{Endogenous technological change}} , author={{ PRomer }} , journal={{Journal of Political Economy}} 98 5 , year={1990} } @incollection{b43, , title={{Financial inclusion and Development}} , author={{ MSarma } and { JPais }} , journal={{Journal of International Development}} 23 , year={2011} } @incollection{b44, , title={{Financial development, ICT diffusion and economic growth: Lessons from MENA region}} , author={{ SSassi } and { MEt } and { Goaied }} , journal={{Telecommunications Policy}} 37 4-5 , year={2013} } @incollection{b45, , title={{Developing a financial inclusion index and inclusive growth in India}} , author={{ SKSethy }} , journal={{Theoretical & Applied Economics}} 23 2 , year={2016} } @incollection{b46, , title={{We'd better watch out}} , author={{ RMSolow }} , journal={{New York Times Book Review}} 36 , year={1987. July 12} } @incollection{b47, , title={{ICTs and the possibilities for leapfrogging by developing countries}} , author={{ WESteinmuller }} , journal={{International Labour Review}} 140 2 , year={2001} } @incollection{b48, , title={{Optimum technical change in an aggregative model of economic growth}} , author={{ HUzawa }} , journal={{International Economic Review}} 6 , year={1965} } @incollection{b49, , title={{Fixed and mobile competition in transition economies}} , author={{ MVagliasindi } and { IGuney } and { CTaubman }} , journal={{Telecommunication Policy}} 40 7 , year={2006} } @book{b50, , title={{Markets and hierarchies: antitrust analysis and implications}} , author={{ OEWilliamson }} , year={1975} , publisher={The Free Press} , address={New York} } @incollection{b51, , title={{A finite sample correction for the variance of linear efficient two-step GMM estimators}} , author={{ FWindmeijer }} , journal={{Journal of Econometrics}} 126 1 , year={2005} }