This study assesses the role of mobile money innovations on income inequality and gender inclusion in 42 sub-Saharan African countries from 1980 to 2019 using interactive quantile regressions. It finds that, first, income inequality unconditionally reduces the involvement of women in business and politics. Second, mobile money innovations interact with income inequality to have a positive impact on women in business and politics. Third, the net effects of mobile money innovations on gender inclusion through income inequality are consistently negative. Fourth, as the positive conditional or interactive effects and negative net effects are consistent across the conditional distribution of gender inclusion, thresholds at which mobile money innovations can completely dampen the negative effect of income inequality on gender inclusion are provided. Therefore, policymakers should work toward improving conditions for mobile money innovations. They should also be aware that reducing both income inequality and enhancing mobile money innovations simultaneously leads to more inclusive outcomes in terms of gender inclusion.

中文翻译：

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撒哈拉以南非洲地区的移动货币创新、收入不平等和性别包容

本研究使用交互式分位数回归评估了 1980 年至 2019 年 42 个撒哈拉以南非洲国家移动货币创新对收入不平等和性别包容的作用。研究发现，首先，收入不平等无条件地减少了女性对商业和政治的参与。其次，移动货币创新与收入不平等相互作用，对商业和政治领域的女性产生积极影响。第三，移动货币创新通过收入不平等对性别包容性产生的净影响始终是负面的。第四，由于积极的条件或交互效应和消极的净效应在性别包容的条件分布中是一致的，因此提供了移动货币创新可以完全抑制收入不平等对性别包容的负面影响的阈值。因此，政策制定者应努力改善移动货币创新的条件。他们还应该意识到，减少收入不平等和加强移动货币创新同时会在性别包容性方面带来更具包容性的结果。