Digital Transformation And Competition: Evidence From Mobile Money

This project examines how increasing competition in mobile money markets can influence financial inclusion, innovation, and service quality. In partnership with Ghana Commercial Bank (GCB), researchers are testing a randomized expansion of its mobile wallet platform, G-Money, across 40 low-income communities in eastern Ghana. By varying the number of new agents introduced in each area, the study aims to understand how market entry affects mobile money adoption, customer experience, and the overall dynamics of digital financial ecosystems. Insights from this pilot will inform the design of a larger-scale evaluation on the broader impacts of competition in digital finance.