Economic Outcomes and Digital Divide Analysis of Mobile Payment Adoption Among Urban Youth in Lagos, Nigeria

In Nigeria, mobile payment adoption among urban youth in Lagos has been observed to influence economic outcomes such as transaction frequency and service reliability. Data was collected through structured interviews from a sample size of 200 urban youths across varying socioeconomic backgrounds. A logistic regression model will be used to assess the relationship between mobile payment adoption and economic outcomes, adjusting for potential confounders. Mobile payment adoption among urban youth in Lagos showed significant variation by socio-economic status (SES), with higher SES individuals being more likely to adopt digital payments and experience improved transaction frequency (p < 0.05). The findings suggest that while mobile payments are increasingly accessible, they may exacerbate economic disparities when not widely adopted across all socioeconomic groups. Public policies should focus on enhancing access to financial services for lower SES youth in Lagos to mitigate the digital divide and improve overall economic outcomes. The empirical specification follows $Y=\beta_0+\beta^\top X+\varepsilon$, and inference is reported with uncertainty-aware statistical criteria.