This study investigates the role of mobile money innovations in the incidence of income inequality on poverty and severity of poverty in 42 sub-Saharan African countries over the period 1980 to 2019. Mobile money innovations are understood as the mobile used to send money and the mobile used to pay bills online while income inequality is measured with the Gini index. Poverty is measured as the poverty headcount ratio while the severity of poverty is generated as the squared of the poverty gap index. The empirical evidence is based on interactive Quantile regressions. The following main findings are established. (i) Income inequality unconditionally reduces poverty and the severity of poverty though the significance is not throughout the conditional distributions of poverty and the severity of poverty. (ii) Mobile money innovations significantly moderate the positive incidence of income inequality on poverty and the severity of poverty in some quantiles. (iii) Positive net effects are apparent exclusively in the poverty regressions. (iv) Given the negative conditional effects, policy thresholds or minimum mobile money innovation levels needed to completely nullify the positive incidence of income inequality on poverty are provided: 27.666 (% age 15 +) and 24.000 (% age 15 +) of the mobile used to send money in the 50th and 75th quantiles, respectively and 16.272 (% age 15 +) and 13.666 (% age 15 +) of the mobile used to pay bills online in the 10th and 50th quantiles, respectively. Policy implications are discussed with respect of SDG1 on poverty reduction and SDG10 on inequality mitigation.

本研究调查了 1980 年至 2019 年间，移动货币创新在 42 个撒哈拉以南非洲国家的收入不平等对贫困的影响以及贫困严重程度方面的作用。移动货币创新被理解为用于汇款的移动设备和用于汇款的移动设备。用于在线支付账单，而收入不平等则用基尼指数来衡量。贫困以贫困人口比率来衡量，而贫困严重程度则以贫困差距指数的平方来衡量。经验证据基于交互式分位数回归。确定了以下主要发现。(i) 收入不平等无条件地减少贫困和贫困的严重程度，尽管其意义并不贯穿贫困的有条件分配和贫困的严重程度。(ii) 移动货币创新显着缓解了收入不平等对贫困的正向影响以及某些分位数的贫困严重程度。(iii) 积极的净效应仅在贫困回归中显而易见。(iv) 鉴于负面条件效应，提供了完全抵消收入不平等对贫困的积极影响所需的政策门槛或最低移动货币创新水平：移动货币的 27.666（15 岁以上百分比）和 24.000（15 岁以上百分比）用于汇款的手机分别位于第 50 分位数和第 75 分位数，用于在线支付账单的手机分别占第 10 分位数和第 50 分位数的 16.272（% 15 岁以上）和 13.666（% 15 岁以上）。讨论了关于减贫的可持续发展目标 1 和关于减轻不平等的可持续发展目标 10 的政策影响。