Catalysts for Financial Inclusion Through Digital Technologies in North Africa and the Middle East

Mohamed Essabir () and Wafaa Tani ()
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Mohamed Essabir: Ibn Zohr University, Laboratory for Research in Applied Economics and Management, Faculty of Legal, Economic and Social Sciences of Agadir
Wafaa Tani: Ibn Zohr University, Laboratory for Research in Applied Economics and Management, Faculty of Legal, Economic and Social Sciences of Agadir

Chapter Chapter 6 in Impact of Artificial Intelligence (AI) and the Global Financial Crisis on Development in Africa, 2026, pp 109-119 from Springer

Abstract: Abstract This study aims to analyze the determinants of digital financial inclusion in the North Africa and Middle East region. We examined nine countries, including 9053 individuals, using a logit model. The results indicate that digital financial inclusion is influenced by socioeconomic characteristics such as gender, age, education, employment, and household income. Access to technology, measured by cell phone ownership and Internet access, also plays a significant role in digital financial inclusion. In summary, this study highlights the key factors shaping digital financial inclusion in the North Africa and Middle East region.

Keywords: Financial inclusion; Digital; Logit model; ANMO (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:spr:prbchp:978-3-031-94518-2_6

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DOI: 10.1007/978-3-031-94518-2_6

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