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This study explores how mobile technology provides an effective means of increasing financial access and bringing socioeconomic benefits to the country. We examine the potentials of mobile money in increasing financial inclusion in the developing countries at the macro (ecosystem) level using the case of Wave Money FinTech in Myanmar. We adopt Pozzi’s affordance actualization framework and use multiple data collection methods to explain the key mechanisms by which different stakeholders perceive and actualize mobile-money affordances. The findings demonstrated that realization of technology affordance was different from different user group due to different intention of technology use in the specific context, however it contributed to the ultimate outcome of financial inclusion. We hope that this research provides academia and practitioners with new insights into unlocking the revolutionary potential of mobile technologies in the developing world. Keywords: Technology Adoption, Mobile-Money Affordances, Financial Inclusion, Developing Countries, Case Study Research



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