This study analyses the adoption and use of mobile money (MM) services based on data collected on 1000 households from the Global Findex Survey conducted in 2017 in Cameroon, by the World Bank. More specifically, this study attempts to first profile MM adopters, and then identify the explanatory factors of the different uses of these services. A Probit model is used to highlight the explanatory factors of MM adoption combined with multivariate regressions to identify the determinants of MM service use. Then, estimates of three independent Probits, under the assumption of non-simultaneity of the different uses of MM services are done to test the reliability and robustness of the results. The results reveal that socio-economic factors such as age, level of education, the standard of living and mobile phone ownership differentially affect both the adoption and use of MM services in Cameroon.

本研究基于世界银行 2017 年在喀麦隆进行的全球 Findex 调查中收集的 1000 户家庭数据，分析了移动货币 (MM) 服务的采用和使用情况。更具体地说，本研究试图首先对 MM 采用者进行分析，然后确定这些服务的不同用途的解释因素。Probit 模型用于突出 MM 采用的解释性因素，并结合多元回归来确定 MM 服务使用的决定因素。然后，在假设 MM 服务的不同用途非同时性的情况下，对三个独立的 Probits 进行估计，以检验结果的可靠性和稳健性。结果表明，社会经济因素，如年龄、教育水平、