Dr. Godsway Tetteh

The Economic Outcomes of Financial Innovation and Digital Infrastructure in Sub-Saharan Africa

Year: 2022

Pierre Mohnen, Micheline Goedhuys and Maty Konte


This thesis examines whether the use of mobile money among formal firms can accentuate the effect of traditional financial services on labour productivity. Further, it investigates the effect of mobile money on access to credit in the informal sector and subsequently explores local digital lending development and its effect on welfare. Finally, the thesis examines whether digital infrastructure is a contributing factor to services sector employment in Sub-Saharan Africa. The findings suggest that mobile money can complement traditional financial services leading to firm performance. Also, mobile money can facilitate access to external finance in the informal sector. The thesis reveals that local digital lending development is crucial for decreasing deprivation, especially in rural communities. Digital infrastructure is also found to drive employment creation in the services sector.

Selected publications by Godsway Tetteh

Articles (journal, professional, popular)
Acheampong, Alex O, Eric Evans Osei Opoku & Godsway Tetteh, 2024, `Unveiling the effect of income inequality on safe drinking water, sanitation and hygiene (WASH): Does financial inclusion matter?, World Development, 178, More information
Tetteh, Godsway, 2023, `Local digital lending development and the incidence of deprivation in Kenya, Financial Innovation, 9, More information
Ndubuisi, Gideon, Chuks Otioma, Solomon Owusu & Godsway Tetteh, 2022, `ICTs quality and technical efficiency: An empirical analysis, Telecommunications Policy, 46, More information
Konte, Maty & Godsway Tetteh, 2022, `Mobile Money, Traditional Financial Services and Firm Productivity in Africa, Small Business Economics, 00, More information
Ndubuisi, Gideon, Chuks Otioma & Godsway Tetteh, 2021, `Digital infrastructure and employment in services: Evidence from Sub-Saharan African countries, Telecommunications Policy, Online, More information

UNU-MERIT Working Papers
Tetteh, Godsway, Micheline Goedhuys, Maty Konte & Pierre Mohnen, 2021, Mobile money adoption and entrepreneurs’ access to trade credit in the informal sector, UNU-MERIT Working Paper 2021-043
Tetteh, Godsway, Micheline Goedhuys, Maty Konte & Pierre Mohnen, 2020, Towards a new index of mobile money inclusion and the role of the regulatory environment, UNU-MERIT Working Paper 2020-035

Tetteh, Godsway, 2022, The Economic Outcomes of Financial Innovation and Digital Infrastructure in Sub-Saharan Africa, PhD Dissertation Maastricht University