Mobile money as a means for financial inclusion and convenience in e-commerce payment within the informal sector in Ghana

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In this era of the coronavirus andemic, which affected individuals in all spheres of life, businesses have had to move operations online. With remote working more prevalent than it has ever been, people are spending more time online. Online shopping has become popular over the past few months due to the decline in offline shopping - as a result of the existence of lockdowns. The payment systems used in online shpping, unfortunately, do not favour the unbanked populations because they mostly center around the use of bank accounts and cards. This thesis seeks to investigate the feasibility of a solution that addresses the issue of financial inclusion in e-commerce payment. The research focuses on the integration of a mobile money payment option to e-commerce sites and how it could promote or decrease financial inclusion and convenience for the informal sector workers in Ghana.
Undergraduate thesis submitted to the Department of Computer Science, Ashesi University, in partial fulfillment of Bachelor of Science degree in Management Information Systems, May 2021
mobile money, e-commerce, self-employed