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Economic African Development in the Context of FinTech

Economic African Development in the Context of FinTech
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Author(s): Youssra Ben Romdhane (University of Sfax, Tunisia), Sahar Loukil (University of Sfax, Tunisia) and Souhaila Kammoun (IHEC, CODECI, University of Sfax, Tunisia)
Copyright: 2020
Pages: 17
Source title: Employing Recent Technologies for Improved Digital Governance
Source Author(s)/Editor(s): Vasaki Ponnusamy (Universiti Tunku Abdul Rahman, Malaysia), Khalid Rafique (Azad Jammu and Kashmir Information Technology Board, Pakistan) and Noor Zaman (Taylor's University, Malaysia)
DOI: 10.4018/978-1-7998-1851-9.ch014


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The purpose of this chapter is to analyze the effect of FinTech and political incertitude on economic growth through a multiple regression. Thus, the authors employ the method of generalized least square (GLS) with panel data. The sample concerns 21 African countries during (2001-2014-2017). The authors use a wide range of measures from Global Findex Database 2017, the World Bank platform, the World Bank national accounts data, and the OECD National Accounts data files base in the context of Africa. Empirical results show that FinTech is a driver of economic growth unless it is actively used in a developed digital infrastructure. In fact, the authors prove that, when financial technologies are used in both transactions (receive and made digital payment), they significantly contribute to the economic cycle. Passive use like simple consumption actions are not a significant lever for the economy. The principal contribution is to highlight that the active use of financial innovations and not passive one and the developed digital infrastructure do promote economic growth in African countries.

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