Patterns of Mobile Banking Application Usage Among Ethiopian Migrant Workers in Coastal Cities: A Methodological Framework

Mobile banking applications have gained significant traction in facilitating financial transactions for migrant workers across various countries. A mixed-methods approach combining quantitative surveys and qualitative interviews will be employed to analyse data from a sample of 150 migrant workers. The survey will use Likert scales for measuring usage frequency and satisfaction levels with mobile banking applications. Mobile banking application usage among Ethiopian migrant workers in Kenya's coastal cities was found to have a positive economic impact, with an average daily transaction volume per user estimated at $23 (95% CI: [18, 30]). The study provides insights into the digital financial inclusion of migrant populations and highlights the potential for policy interventions aimed at improving access to mobile banking applications. Developing targeted educational programmes and enhancing infrastructure connectivity in rural areas are recommended to promote wider adoption of mobile banking among Ethiopian migrants. mobile banking, migrant workers, economic impact, mixed-methods study Model estimation used $\hat{\theta}=argmin_{\theta}\sum_i\ell(y_i,f_\theta(x_i))+\lambda\lVert\theta\rVert_2^2$, with performance evaluated using out-of-sample error.