Cover ; Editorial boards ; Introduction to the financial services in Africa special issue ; What determines financial inclusion in Sub-Saharan Africa? ; Account ownership and use of financial services among individuals ; Predicting user continuance intention towards M-pesa in Kenya ; Does access to credit improve household welfare? Evidence from Ethiopia using endogenous regime switching regression ; African innovations in harnessing farmer assets as collateral ; Macroeconomic determinants of interest rate spreads in Ghana ; Foreign exchange markets and the purchasing power parity theory
