FinTech ecosystem practices shaping financial inclusion: the case of mobile money in Ghana

Financial technology (FinTech) is widely recognised as important in addressing financial inclusion. However, limited research theorises how new entrants and incumbents work together FinTech ecosystems to shape We undertake a theory-generating case study with multilevel interacting organisations Ghana, where, like many other African countries, the growth has led opportunities for conceptualise three practices, building blocks at ecosystem level, through which inclusion: (1) innovative collaborative (2) protectionist equitable (3) legitimising sustaining practices. articulate theoretical model that explains practices inclusion propose propositions of developing countries being scaled shaped terms actors, relationships,