International market selection and fintech: the role of financial inclusion and perceived corruption in neobank adoption

Dionysios Karavidas, Rocio Isabel Paez and O’Reilly Philip

Chapter 19 in Research Handbook on FinTech, 2026, pp 340-355 from Edward Elgar Publishing

Abstract: Neobanks have seen significant growth and adoption worldwide in recent years. This study examines the impact of two factors – financial inclusion and perceived corruption – on the success of Neobank adoption in different geographical markets. By analyzing a unique dataset that includes economic data and adoption rates of 90 Neobanks in over 60 countries, we find that both financial inclusion and perceived corruption levels are key in determining the likelihood of successful Neobank adoption in specific markets.

Keywords: Neobanks; Adoption; Financial inclusion; Perceived corruption; Fintech; Digital payments (search for similar items in EconPapers)
Date: 2026
ISBN: 9781035321414
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