Financial Inclusion: Globally Important Determinants

Peterson Ozili

Financial Internet Quarterly (formerly e-Finanse), 2021, vol. 17, issue 4, 1-11

Abstract: This paper highlights the globally-important determinants of financial inclusion. The determi-nants 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.

Keywords: financial inclusion; determinants; unbanked adults; access to finance; digital finance; financial literacy (search for similar items in EconPapers)
JEL-codes: G00 G21 O16 (search for similar items in EconPapers)
Date: 2021
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Citations: View citations in EconPapers (1)

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Working Paper: Financial inclusion: the globally important determinants (2021)
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Persistent link: https://EconPapers.repec.org/RePEc:vrs:finiqu:v:17:y:2021:i:4:p:1-11:n:3

DOI: 10.2478/fiqf-2021-0023

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