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À travers le théorème AHM portant leurs noms, Aghion, Howitt & Mayer ont démontré que la capacité d'un pays à se rapprocher de la frontière technologique est corrélé au développement de ses institutions financières. Selon ce théorème, davantage de contraintes financières accroît l'impact négatif d'un faible revenu initial par habitant en diminuant le taux d'innovation d'un pays et sa capacité à converger, en termes de taux de croissance ou de PIB par habitant, vers la frontière technologique

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