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<p>One of the most relevant development challenges in developing countries is access to financial services and the expansion of the financial sector as a whole, which is gradually made easier by the development of information and communication technologies. The aim of this study is to investigate the effects of financial technology (Fintech) instruments on the financial inclusion of small businesses in Cameroon. To accomplish this, data is collected from 197 companies via a questionnaire. Various statistical and econometrics tools are used, including flat and cross sorting, the Khi-square test, correlation, and logistic regression. The results indicate firstly that the level of managers’ financial inclusion is not very high. Secondly, knowing the existence of credit cards, online donations, and bank applications, significantly improve financial inclusion. Thirdly, the frequency of using credit cards and bank applications is also a positive and significant determinant of financial inclusion in small businesses. The number of a company’s employees is also a significant determinant of financial inclusion. There is thus a need to strengthen strategies to raise the knowledge of Fintech tools and improve their usage.</p>

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Does Fintech Enhance Financial Inclusion? Empirical Evidence of Small Business in Cameroon

  • 期刊论文

  • 出版模式：

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  • 发表日期：

    2026年8月4日

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  • Prince Hikouatcha,
  • Simplice A. Asongu,
  • Flavio Ignace Mengada Nkoa,
  • Mélissa Grace Tchapda Woumkep

摘要

One of the most relevant development challenges in developing countries is access to financial services and the expansion of the financial sector as a whole, which is gradually made easier by the development of information and communication technologies. The aim of this study is to investigate the effects of financial technology (Fintech) instruments on the financial inclusion of small businesses in Cameroon. To accomplish this, data is collected from 197 companies via a questionnaire. Various statistical and econometrics tools are used, including flat and cross sorting, the Khi-square test, correlation, and logistic regression. The results indicate firstly that the level of managers’ financial inclusion is not very high. Secondly, knowing the existence of credit cards, online donations, and bank applications, significantly improve financial inclusion. Thirdly, the frequency of using credit cards and bank applications is also a positive and significant determinant of financial inclusion in small businesses. The number of a company’s employees is also a significant determinant of financial inclusion. There is thus a need to strengthen strategies to raise the knowledge of Fintech tools and improve their usage.