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Point-of-Service (POS) Transactions as Drivers of Economic Growth and Financial Inclusion in Rural Economies: Evidence from Cross River State, Nigeria
By: Otu, Christopher Awa, Henry, James Tumba & Okpan Augustine
Journal: African Journal of Economic Transformation and Development | Volume: 1 | Issue: 1 | Pages: 1–33
Published by: African Journal of Economic Transformation and Development, African Academic Imprint Press, 7/1/2026 2026
ISSN (Online): 3156-5352 | ISSN (Print): 3156-5123 | JEL Classification: E42, G21, G23, O16, O18, R11, O55
Abstract
The expansion of financial technology in developing economies has transformed the dynamics of strengthening regulatory frameworks, improving digital infrastructure, and providing financial literacy programs to optimize POS services for rural development. These insights contribute to policy discussions on leveraging financial technology for inclusive growth in emerging economies.
Keywords: Point-of-Service (POS) transactions, financial inclusion, Economic growth, Rural development, Digital finance, Cross River State
JEL Classification: E42, G21, G23, O16, O18, R11, O55
How to Cite
Otu, C. A., Henry, J. T., & Okpan, A. (2026). Point-of-Service (POS) Transactions as Drivers of Economic Growth and Financial Inclusion in Rural Economies: Evidence from Cross River State, Nigeria. African Journal of Economic Transformation and Development (AJETD), Vol. 1(1), 1–33.
Licensing Terms: All articles published in the African Journal of Economic Transformation and Development (AJETD) are licensed under a
Creative Commons Attribution 4.0 International License (CC BY 4.0)
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Creative Commons Attribution 4.0 International License (CC BY 4.0)
.