International Journal of Research and Scientific Innovation (IJRSI)
Mobile Money and Digital Financial Services Ecosystem in Adamawa State
Published September 6, 2025 • Vol. 12, Issue 8, pp. 1003–1006Open Access
DOI: 10.51244/IJRSI.2025.120800085
Abstract
Financial inclusion is essential for economic development, especially in regions with limited access to formal banking systems. In Adamawa State, Nigeria, mobile money and digital financial services have emerged as innovative tools for bridging this gap. This study investigates the awareness, adoption, usage, and socioeconomic impact of these services in the state. Using survey data from 220 respondents and supported by literature, the findings reveal high levels of awareness and usage, significant economic benefits, but also persistent infrastructural and educational barriers. Recommendations are provided for improving service quality, expanding access, and promoting digital literacy.
Keywords: mobile money, POS services, financial inclusion, digital finance, ecosystem
| Journal | International Journal of Research and Scientific Innovation (IJRSI) |
|---|---|
| ISSN | 2321-2705 |
| Volume / Issue | Volume 12, Issue 8 |
| Pages | 1003–1006 |
| Publication date | September 6, 2025 |
| DOI | 10.51244/IJRSI.2025.120800085 |
| Publisher | RSIS International |
| License | Open Access |
How to cite this article
Musa Samuel Jerry, & Benson Joshua (2025). Mobile Money and Digital Financial Services Ecosystem in Adamawa State. International Journal of Research and Scientific Innovation (IJRSI), 12(8), 1003-1006. https://doi.org/10.51244/IJRSI.2025.120800085
BibTeX
@article{Musa2025,
title = {Mobile Money and Digital Financial Services Ecosystem in Adamawa State},
author = {Musa Samuel Jerry and Benson Joshua},
journal = {International Journal of Research and Scientific Innovation (IJRSI)},
volume = {12},
number = {8},
pages = {1003--1006},
year = {2025},
doi = {10.51244/IJRSI.2025.120800085},
publisher = {RSIS International}
}