Assessing the Dynamics of Fintech and Financial Inclusion in Reducing Inequality in Malaysia: a Bayesian-Wavelet approach

Hadjer Boulila, Seyf Eddine Benbekhti and Widad Metadjer
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Hadjer Boulila: University of Tlemcen (Algeria)
Seyf Eddine Benbekhti: University of Tlemcen (Algeria)
Widad Metadjer: University of Dundee (United Kingdom)

IJEP, 2025, vol. 8, issue 02, Pages : 228-250

Abstract: This paper examines the impact of FinTech on financial inclusion and inequality reduction in Malaysia within the framework of SDG 10. Using a Bayesian VAR model and wavelet coherence analysis (2004–2022), the study analyzes dynamic links between FinTech, inclusion, inequality, and growth. A FinTech Adoption Index (PCA) and a novel Financial Inclusion Index are constructed. Results reveal bidirectional causality, with FinTech and inclusion jointly reducing disparities and fostering inclusive growth. Policy implications highlight the need for inclusive ecosystems, literacy programs, and adaptive regulation.

Keywords: Fintech; Financial Inclusion; SDG 10; Inequality; Bayesian VAR; Wavelet; Malaysia (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:bjm:ijep00:v:8:y:2025:i:02:id:385

DOI: 10.54241/2065-008-002-013

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