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Today more than ever, banks are facing the race for innovation in mobile financial services. Several studies have focused on the factors driving the adoption of mobile money, but the aspect of deposit collection activity by banks, essential as a basis for granting an account and providing financial services to customers, has been neglected. This study aims to examine the effect of perceived cost, relative advantage and perceived ubiquity on the intention to adopt mobile money for bank deposits, as well as the effect of its use on financial inclusion in Cameroun. A quantitative approach based on the PLS-SEM algorithm is used on a sample of 310 Cameroonian respondents. Results show that these factors positively influence the intention to adopt Mobile Money for bank deposits and that its use has a significant positive effect on financial inclusion. The study will help bank managers to develop effective marketing approaches and to improve their offer with adapted products and services, more specifically to enhance customer proximity and produce effective channels to suck up potential bank deposits not yet captured by banks.

Mobile money, bank deposit and perceived financial inclusion in Cameroon