Infrastructure Diffusion and the Use of Self-Service Banking Applications: A Micro-Spatial Approach
| dc.contributor.author | Morakinyo Adetutu | |
| dc.contributor.author | Kayode Odusanya | |
| dc.date.accessioned | 2026-02-19T10:34:33Z | |
| dc.date.available | 2026-02-19T10:34:33Z | |
| dc.date.issued | 2026-02 | |
| dc.description.abstract | Self-service Banking Applications (i.e., internet and mobile banking) facilitate remote access to financial services by bank account holders while also offering productivity and cost savings for banks. In this study, we combine a unique dataset, constructed by matching geo-referenced cell tower infrastructure data and a nationally representative survey of 21,844 individuals in Nigeria, to investigate how infrastructure diffusion affects the use of Self-service Banking Applications (SSBAs). Our analysis is underpinned by a novel micro-spatial approach used to compute the number of cell towers within a radial specification of respondents’ street-level locations. After controlling for individual and regional covariates and addressing the endogeneity issue, we find that cell tower concentration increases the probability of using mobile and internet banking, although this effect is stronger for mobile banking. Our results are robust to alternative specifications for cell tower concentration. The findings of this paper underscore the view that promoting access to financial services requires implementing policies aimed at closing the digital divide associated with the diffusion of telecom infrastructure and contemporaneous technologies like smartphone devices. | |
| dc.identifier.uri | https://publication.aercafricalibrary.org/handle/123456789/4062 | |
| dc.publisher | AERC | |
| dc.title | Infrastructure Diffusion and the Use of Self-Service Banking Applications: A Micro-Spatial Approach |