Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/266882 
Year of Publication: 
2021
Citation: 
[Journal:] Financial Internet Quarterly [ISSN:] 2719-3454 [Volume:] 17 [Issue:] 4 [Publisher:] Sciendo [Place:] Warsaw [Year:] 2021 [Pages:] 1-11
Publisher: 
Sciendo, Warsaw
Abstract: 
This paper highlights the globally-important determinants of financial inclusion. The determinants identified in this paper are formal account ownership; demand for formal savings; demand for formal borrowing; financial literacy and education; debit and credit card usage; the need to receive remittances from family and friends; size of the financial system; number of automated teller machines (ATMs); number of bank branches; proximity to a bank; availability and access to mobile phones; availability of digital financial products and services; technology infrastructure; government policy; culture and traditional belief systems; national financial inclusion strategy and implementation; and direct legislation.
Subjects: 
financial inclusion
determinants
unbanked adults
access to finance
digital finance
financial literacy
JEL: 
G00
G21
O16
Persistent Identifier of the first edition: 
Creative Commons License: 
cc-by-nc-nd Logo
Document Type: 
Article

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