References
Alhassan, T.F., Guryanov, S.A., Kouadio, A.J. (2021). The impact of mobile money, remittances and financial development innovative growth in Sub- Saharan Africa. Ekonomika region (Economy of region), 17(1), 276-287. Alshubiri, F. Jamil, S.A. & Elheddad, M. (2019). The impact of ICT on financial development: Empirical evidence from the Gulf Cooperation Council Countries. International Journal of Engineering Business Management, 11, 18479019870670. Asongu, A. S., Anyanwu, J.C. & Tchamyou, S. V. (2017). Technology-driven information sharing and conditional financial development in Africa. https://hdl.handle net/10419/173616, 1-40. Asongu, S.A., & De Moor, L. (2017). Financial globalization dynamic thresholds for financial development: Evidence from Africa, The European Journal of Development Research, 29(1), 192- Bae, K. Han, D. & Sohn, H. (2012). Importance of access to finance in reducing income inequality and poverty level. International Review of Public Administration, 17(1), 1-24. Bahrini, R. & Qaffas, A. (2019). Impact of information and communication technology on economic growth:Evidence from developing countries. https://.doi:10.3390/economies 7010021, 2-13. Batabyal, S. & Chowdbury, A. (2015). Curbing corruption, financial development and income inequality. Progress in development studies, 15(1), 49-79. Bayar, Y. Gavrileta, M. & Paun, D. (2021). Impact of mobile phones and internet use on financial inclusion: Empirical evidence from the EU Post-Communist countries. Technological and Economic Development of Economy, 27(3), 722-741. Beck, T., Senbet, L. & Simbanegavi,W.(2015). Financial inclusion and innovation in Africa: An overview. Journal of African Economies, 24(suppl-l), i3-i11. Boateng,A. Asongu, S. Akamavi, R. & Tchamyov, V. S. (2018). Information asymmetry and market power in the African Banking industry. Journal of Multinational financial management, 44, 69-83. Chiwira, O., Bakwena, M., Mupimpila, C. & Tihalefang, J. B. (2016). Integration, inclusion, development in the financial sector and economic growth nexus in SADC: Empirical Review, British Journal of Economics, Management and Trade, 11(4), 1-15. Dzator, J. Acheampong, O.A.,Appiah-Otoo, I. Dzator, M. (2020). Leveraging digital technology for development: Does ICT contribute to poverty reduction. https://sdgs.un.org/goals. 1, 1-45. Edoh,O. M. Nchofoung, T. N., Anchi, O. E. & Munna, A.S.(2021). The impact of financial inclusion on household health expenditures in Africa (No. Wp/21/080). AGDI working paper. Ejemeyovwi, O. J., Osabuohien, S.E. & Bowale, I. K.E. (2021). ICT adoption, innovation and financial development in a digital world: Empirical analysis from Africa. Traditional Corporations Review, 13(1), 16-31. Emera, N. & Mohieldin, M.(2018). Financial technology and the poverty gap: The case of Middle East and Africa. https://ssrn.com/abstract= 4062334, 1-23. Evans, O. (2018). Connecting the poor. The internet, mobile phones and financial inclusion among SMEs in Egypt: Service awareness, access and usage metrics and macroeconomics policies. Fu turn Business Journal, 7(1), 1-19. Gheraia, Z. Abid, M. Sekrafi, H. & Abdelli, H. (2021). The moderating role of information and communication technology diffusion between financial development and economic growth: A bootstrap ARDL approach in Saudi Arabia. Information Technology for Development, doi: 10.1080102681102.1998759, 2-21. Ihayere, O.B. Alege, P. O., Gershon, O., Ejemeyovwi, J.O. & Daramola, P. (2020). Information communication technology access and use towards energy consumption in selected SSA. International Journal of Energy Economics and Policy, 11(1), 471-477. Kouladoum, J.C., Wirajing, M.A. K. & Nchofoung, T.N. (2022). Digital technologies and financial inclusion in Sub- Sahara Africa. https://hdl.handle net/10419/269038, 1-37. Odhiambo, N. M. (2014). Financial systems and economic growth in South Africa: A dynamic Complementarity Test. International Review of Applied Economics, 28(1), 83-101. Ofori, I. K., Osei, B.D. & Alagidede, I.P. (2022). Inclusive growth in Sub-Sahara Africa: Exploring the interaction between ICT diffusion and financial development. https://doi.org/10.1016/j.telpol.2022.102315, 1-34. Olayemi, O.J. & Jeke, L. (2023). How catalytic is digital technology in the nexus between migrants remittance and financial development in SSA countries? https://doi.org/10.3390/economies 11030074, 11(74).2-12. Orji, A., Aguegboh, E., Anthony -Orji, O. I. (2015).Real sector output and financial liberalization in Nigeria. Journal of Infrastructure Development, 7(2), 136-150. Owolabi, O.A.Adedeji, A.O.,Aderounmu, B. Oku,O. A-R & Ogunbiyi,T. (2023). Do information and communication technology (ICT) and financial development contribute to economic diversification? Evidence from SSA. Journal of Economic Structures, 12(5) 2-18. Pallegrina, D. I. Frazzoni, S. Rotondi, Z. &Vezzulli, A. (2017). Does ICT adoption improve access to credit for small enterprises? Small Business Economics, 48(3), 657-679. Pothitou,M. Hanna, R. F., Chalvatzis, K.J.(2017). ICT entertainment appliances impact on domestic electricity consumption. Renewable and Sustainable Energy Reviews, 69, 843-853. Raheem, I. D., A viral,K. T. & Lorenfe, D. B. (2020). The role of ICT and financial development in CO2 emissions and economic growth. Environmental Science and Pollution Research, 27, 12- Salahuddi, M. & Gow, J. (2016). The effects of internet usage, financial development and trade openness on economic growth in South Africa: A time series analysis. Telematics and Informatics, 33(4), 1141-1154. Sassi, S. Goaied, M. (2013). Financial development, ICT diffusion and economic growth: lessons from MENA region. Telecommunications Policy, 37(4), 252-261. Solow, R. M. (1956). A contributory to the theory of economic growth. The quarterly Journal of Economics, 70(1), 65-94. Tchamyov, V.S. Asongu, S. A. & Odhiambo, N. M. (2019). The role of ICT in modulating the effects of education and lifelong learning on income inequality and economic growth in Africa. African Development Review, 31(3), 261-274. Tchamyov, V.S., Erreygers,G. Cassimon, M. D. (2019). Inequality, ICT and financial access in Africa. Technological Forecasting and Social Change, 139,169-184. Yu, M., Jin, H., Zhang, H. & Chong, A. Y. L. (2022). ICT, financial development and renewable energy consumption. Journal of Computer Information Systems, 1-14.
