Mobile Payment Services and Financial Inclusion: Evidence from Mobile-Money Agents in Muganza Sector, Nyaruguru District, Rwanda
Uwase Nkusi DianaUniversity of Kigali, RwandaEmail: uwase.amoura@gmail.com Abstract: Rwanda reports high headline financial inclusion (96% of adults in 2024), yet rural disparities persist; Nyaruguru District records 10% financial exclusion, more than twice the national rate of 4%. This study examined the effect of four mobile-payment-service dimensions—money-transfer services, deposit-and-withdrawal services, payment-service efficiency, and mobile-banking services—on financial…