Article Journal of Emerging Market Finance 17(3S) 415S–432S © 2018 Institute for Financial Management and Research SAGE Publications sagepub.in/home.nav DOI: 10.1177/0972652718798191 http://journals.sagepub.com/home/emf 1 Department of Banking and Finance, University of Professional Studies, Accra, Ghana. 2 Department of Business Administration, University of Professional Studies, Accra, Ghana. Corresponding author: Raymond K. Dziwornu, Department of Banking and Finance, University of Professional Studies, Box LG 149, Accra, Ghana. E-mail: dziray28@yahoo.com Emergence of Mobile Financial Services in Ghana: Concerns for Use among Informal Sector Women Entrepreneurs Raymond K. Dziwornu 1 Kingsley K. Anagba 2 Ampem D. Aniapam 2 Abstract Mobile financial services (MFS) have emerged in recent years as an indispensable tool to promote financial inclusion in emerging economies like Ghana. This article investigated the factors affecting MFS use among 300 women entrepreneurs in the informal sector in Ghana, using multi- nomial logit model. Knowledge of MFS, trust of services provided, near- ness to agents and privacy of information are more likely to drive MFS use. In addition to embarking on aggressive radio and television advertisement, service operators should deploy more agents and invest in reliable infrastructure to build users’ trust to increase MFS use. JEL Classification: D12, G20 Keywords Mobile financial services, entrepreneur, informal, Ghana