I think it's worth doing. The mobile services are very convenient and easy to use. Even managers of mutual funds have embraced transactions over mobile networks. Even the banking sector has come up with apps that can be used for online transactions. Such a study is timely and can help in removing barriers that have hindered sections of the population that have not yet embraced it.
Deciding whether pursuing a PhD on Mobile Financial Services for Financial Inclusion is worth it ultimately depends on your individual goals, interests, and career aspirations. Here are some factors to consider:
Personal interest: Are you passionate about the topic of Mobile Financial Services for Financial Inclusion? Pursuing a PhD is a long and challenging process, and it is essential to have a genuine interest and enthusiasm for the subject matter to remain motivated throughout the process.
Career goals: Are you interested in pursuing a career in academia or in the industry related to mobile financial services? A PhD can prepare you for a research or academic career or give you a competitive edge in the industry, depending on your specific goals.
Research potential: Is there a significant need for research in the field of Mobile Financial Services for Financial Inclusion? Are there gaps in current knowledge or opportunities for innovation? Conducting original research that addresses these questions can be valuable and contribute to the field.
Funding opportunities: Pursuing a PhD can be expensive, so it is important to consider funding opportunities such as scholarships, grants, or fellowships.
Overall, if you have a passion for the topic, clear career goals, and see significant research potential, pursuing a PhD on Mobile Financial Services for Financial Inclusion could be worth it. However, it's crucial to thoroughly research the field, potential career paths, and funding opportunities before committing to a program.
Mobile Financial Services (MFS) have the potential to play a significant role in improving financial inclusion by providing access to financial services to individuals who have been traditionally underserved by the formal financial sector. If you are interested in investigating Mobile Financial Services for Financial Inclusion, here are some potential research topics to consider:
Impact of Mobile Financial Services on Financial Inclusion: Investigating the impact of Mobile Financial Services on the financial inclusion of low-income households, rural populations, and other underserved communities.
Adoption and Usage of Mobile Financial Services: Examining the factors that influence the adoption and usage of Mobile Financial Services, including user attitudes, trust, and education.
Role of Mobile Network Operators in Mobile Financial Services: Investigating the role of Mobile Network Operators in the delivery of Mobile Financial Services, including their business models and regulatory frameworks.
Financial Literacy and Mobile Financial Services: Exploring the role of financial literacy in the adoption and effective use of Mobile Financial Services by underserved populations.
Mobile Financial Services and Small Business Development: Investigating the impact of Mobile Financial Services on the development of small businesses and entrepreneurship in underserved communities.
Mobile Financial Services and Gender Inclusion: Examining the role of Mobile Financial Services in promoting gender inclusion and women's economic empowerment.