Economic Impacts Of M-pesa In A Develping Economy: A Case Study Of Nairobi Cbd

ABSTRACTAccess to financial services in a country is essential for economic growth. The term access to financial services refers to the ease with which an individual can use financial services if theywant to. It is thus distinct from usage; an individual may have access to financial services but choose not to use them. It is also possible for an individual to face access constraints even if they are using a financial service. For example, an individual may have a bank account, but may face constraints to using it actively because the nearest bank branch ATM or MPESA agent is so far from his /h…