Technology-driven information sharing and conditional financial development in Africa

业务 信息共享 移动电话 金融中介 信息和通信技术 互联网 金融体系 财务 信息不对称 经济 货币经济学 电信 政治学 计算机科学 万维网 法学
作者
Simplice A. Asongu,John C. Anyanwu,Vanessa S. Tchamyou
出处
期刊:Information Technology for Development [Taylor & Francis]
卷期号:25 (4): 630-659 被引量:82
标识
DOI:10.1080/02681102.2017.1311833
摘要

Information technology is increasingly facilitating mechanisms by which information asymmetry between lenders and borrowers in the financial sector can be reduced in order to enhance financial access for human and economic development in developing countries. We examine conditional financial development from ICT-driven information sharing in 53 African countries for the period 2004–2011, using contemporary and non-contemporary quantile regressions. ICT is measured with mobile phone penetration and internet penetration, whereas information-sharing offices are public credit registries and private credit bureaus. The following findings are established. First, there are positive effects with positive thresholds from ICT-driven information sharing on financial depth (money supply and liquid liabilities) and financial activity (at banking and financial system levels). Second, for financial intermediation efficiency, the positive effects from mobile-driven information sharing are apparent exclusively in certain levels of financial efficiency. Third, with regard to financial size, mobile-driven information sharing is positive with a negative threshold, whereas internet-driven information sharing is positive exclusively among countries in the bottom half of financial size. Positive thresholds are defined as decreasing negative or increasing positive estimated effects from information-sharing offices and vice versa for negative thresholds. Policy implications are discussed.
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