2026-09-21T00:39:38Zhttps://repository.unam.edu.na/server/oai/requestoai:repository.unam.edu.na:11070/41152025-09-20T22:01:01Zcom_11070_3528com_11070_3313com_11070_3305col_11070_104
Wirba, Ebenezer Lemven
Gowaseb, Julius Ottis
2025-09-16T07:00:09Z
2025-09-16T07:00:09Z
2025
http://hdl.handle.net/11070/4115
A thesis submitted in partial fulfilment of the requirements for the Degree of Master of Science in Development Finance
Despite advancements in Financial Technology (fintech), there is a notable reluctance
among individuals, including those in Namibia, to adopt internet banking services. The
main objective of this study is to investigate the effect of fintech on financial behaviour
in Namibia, specifically the study aims to (1) examine gender disparities in the adoption
of mobile money services (fintech) in Namibia overall and by gender and (2) evaluate the
effect of fintech adoption on saving and borrowing behaviours overall and by gender. To
achieve these objectives, the study employs the 2021 Global Findex Data for Namibia, the
probit model to analyse the determinants of fintech adoption and a control function
approach to assess the effect of fintech adoption on saving and borrowing behaviours. The
findings indicate no significant gender disparities in fintech adoption in Namibia.
Furthermore, results reveal that fintech adoption has a significant positive effect on both
borrowing and saving behaviours. Findings equally indicate that effect of fintech is
stronger on saving compared to borrowing. These results highlight fintech's potential to
enhance financial inclusion and improve financial behaviour in Namibia. Policymakers
may consider initiatives to promote fintech adoption and utilisation, particularly among
underserved populations
en
University of Namibia
Fintech adoption
Gender
Savings
Borrowing
Namibia
University of Namibia
Analysing the effect of financial technology on financial behaviour in Namibia: A gender perspective
Thesisopen.access