Table 1

Key synthetised themes

Author(s)YearKey Theme(s)SourceResearch gaps/Future research
Del Sarto, N. & Ozili, P.K.2025FinTech adoption as a driver of financial inclusion in emerging marketsInternational Journal of Emerging Markets, 20(13), 270–290Need to explore inclusion beyond access, integrating accounting and governance dimensions in informal economies
Banna, H., Mia, M.A., Nourani, M. & Yarovaya, L.2022FinTech adoption and risk-taking of microfinance institutions in Sub-Saharan AfricaFinance Research Letters, 45, 102149Investigate how algorithmic processing of platform data affects informal economic actors and institutional embedding
David-West, O., Iheanachor, N. & Umukoro, I.O.2019Mobile money as a frugal innovation for bottom-of-pyramid usersAfrica Journal of Management, 5(3), 274–302Examine the transition from transactional access to structured accounting visibility in informal economies
Osei-Assibey Bonsu, M., Wang, Y. & Guo, Y.2023FinTech's impact on accounting practices and data integrationAccounting Research Journal, 36(2–3), 129–147Explore the role of platform-mediated transactions as emergent accounting infrastructure in informal sectors
Hamdan, J.S., Lehmann-Uschner, K. & Menkhoff, L.2022Mobile money and financial inclusion: unmet opportunitiesJournal of Development Studies, 58(4), 671–691Investigate institutional and regulatory barriers that moderate inclusion effects for informal actors
Arner, D.W., Buckley, R.P., Zetzsche, D.A. & Veidt, R.2020Sustainability, FinTech, and financial inclusionEuropean Business Organization Law Review, 21(1), 7–35Examine how fintech-driven inclusion can integrate with governance and sustainability accounting frameworks in developing economies
Source(s): Authors’ own creation

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