RETRACTED ARTICLE: Biometric identification, financial inclusion and economic growth in India: does mobile penetration matter?

Saibal Ghosh

Information Technology for Development, 2019, vol. 25, issue 4, iii-xxiii

Abstract: Using data on major Indian states during 2001–2014, the paper analyzes the impact of AIM (Aadhaar, Inclusion and Mobile) trinity on economic growth. Using advanced panel data techniques, the evidence suggests that mobile penetration exerts a positive and statistically significant impact on economic growth. In addition, there exist strong complementarities between mobile telephony and financial inclusion. The magnitude of the complementarity is significantly higher in case of financial use as compared with financial access. In addition, the evidence points to the fact that biometric identification process (Aadhaar) is making its impact felt on financial inclusion, primarily by improving financial access.

Date: 2019
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DOI: 10.1080/02681102.2018.1540390

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