由於先進的網路技術，巨大的客戶潛力以及市場的快速增長，近年來行動支付的使用量呈上升趨勢。新開發的行動支付技術正在幫助傳統上被排除在正規金融體系之外的人們獲得金融服務，同時有人認為，在這場金融科技革命下，世界正在轉變為無現金社會。 本研究旨在通過對發展中國家的行動支付的興起進行橫截面迴歸分析，研究行動支付帳戶與金融機構帳戶，人均GDP和教育等不同指標之間的關係，從而探討發展中國家移動支付的興起和影響因素。結果表明，移動支付比率可能會在金融設施較不完善或較貧困的地區有所上升。

Mobile payment usage is on the rise in recent years due to advanced technology, great potential, and rapid growth on the market. This newly developed technology is said to be helping those who were traditionally excluded from the formal financial system to gain access to financial services while some suggest the world is transforming into a cashless society under this FinTech revolution. This study aims to mobile payment rising in developing country and examine the influencing factors of mobile payment usage by conducting a cross-sectional regression analysis to examine the relations between mobile money account and different indicators such as financial institution accounts, GDP per capita, and school enrollment ratio. The results reveal that that mobile payment may be reaching out to the underprivileged who were previously unbanked.

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