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Financial inclusion: the globally important determinants

Peterson K Ozili

MPRA Paper from University Library of Munich, Germany

Abstract: This paper highlights the globally-important determinants of financial inclusion. The determinants identified in this paper are formal account ownership; demand for formal savings; demand for formal borrowings; financial literacy and education; debit and credit cards usage; the need to receive remittances from family and friends; size of the financial system; number of automated teller machines (ATMs); number of bank branch; closeness 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: G20 G21 I31 (search for similar items in EconPapers)
Date: 2021
New Economics Papers: this item is included in nep-ban, nep-cfn, nep-cwa, nep-fdg, nep-fle, nep-isf and nep-pay
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (1)

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