The impact of mobile money services in sub-Saharan Africa have been largely recognised. However, empirical studies are principally lacking on the factors influencing the decision to own a mobile phone (first hurdle), register with mobile money (second hurdle) and the intensity of use of mobile money services (third hurdle). This study examined the determinants of the mobile phone ownership, drivers of registration (participation) of mobile money services, and the intensity of use of mobile money services in rural Ghana by employing the triple hurdle approach. The first and second hurdle were analysed using the logit model while quasi-poisson regression was used to analyse the third hurdle. The analysis from the cross-sectional data showed that the decision to own a mobile phone was driven by household size, marital status, the farm size, access to electricity, income status and the type of occupation engaged, whereas the decision to register with mobile money was influenced by the age, educational status, marital status, household size, farm size and the type of occupation engaged in by the household head. The intensity of usage of mobile money services was influenced by the age of the household head, higher educational level, marital status of the household head, household and farm size as well as the distance of the household heads from the mobile money agent which directly influences the intensity of use of mobile money services by household heads. The study recommends that strategies that promote access to electricity and occupation in the formal sector or both farming and trading in the rural communities should be promoted. Furthermore, policy attention should focus on location, farmers and farm characteristics.

人们普遍认识到移动货币服务在撒哈拉以南非洲的影响。然而，主要缺乏关于影响拥有手机的决定（第一障碍），向移动货币注册（第二障碍）和使用移动货币服务的强度（第三障碍）的因素的实证研究。这项研究通过采用三重障碍方法，研究了手机所有权，移动货币服务注册（参与）驱动因素以及加纳农村地区移动货币服务使用强度的决定因素。使用logit模型分析第一和第二障碍，而使用拟泊松回归分析第三障碍。根据横截面数据进行的分析表明，拥有手机的决定取决于家庭人数，婚姻状况，农场规模，获得电力，收入状况和从事的职业的类型，而使用流动货币进行注册的决定受到年龄，教育程度，婚姻状况，家庭规模，农场规模以及户主从事的职业类型的影响。移动货币服务的使用强度受户主的年龄，受教育程度，户主的婚姻状况，家庭和农场规模以及户主与移动货币代理商的距离等因素的影响。户主使用移动货币服务的强度。该研究建议应促进促进正规部门获得电力和职业的战略，或促进农村社区的农业和贸易的战略。此外，