“…Second, in spite of the substantially documented literature on the importance of mobile phones and mobile banking innovations in driving inclusive development (Asongu, 2013;Ondiege, 2010;Uduji & Okolo-Obasi, 2018aTchamyou, Erregers & Cassimon, 2019;Lashitew, van Tulder & Liasse, 2019;Asongu, Biekpe & Cassimon, 2020, 2021, most of the literature has focused on the role of innovation in driving economic growth (as discussed below), instead of the role of economic growth in modulating demand-side mobile money factors for mobile money innovations as in the present study. The contemporary strand of the studies that has focused on the incidence of innovation on economic growth has been articulated along the lines of, inter alia: knowledge-driven innovation for economic growth in Sub-Saharan Africa (SSA) (Oluwatobi, Olurinola, Alege & Ogundipe, 2020;Asongu & Kuada, 2020); country-specific innovation in environmental policy for economic growth (Azimi, Feng & Zhou, 2020); innovation in small and medium sized enterprises as a source of economic growth (Gherghina, Botezatu, Hosszu & Simionescu, 2020); innovation in scientific research for economic performance (HamidiMotlagh, Babaee, Maleki & Isaai, 2020) and the relevance of innovation in driving the economic performance of family firms (Teixeira & Correia, 2020).…”