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Financial Inclusion: Globally Important Determinants

Author

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  • Ozili Peterson K.

    (1Central Bank of Nigeria, Abuja, Nigeria)

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.

Suggested Citation

  • Ozili Peterson K., 2021. "Financial Inclusion: Globally Important Determinants," Financial Internet Quarterly (formerly e-Finanse), Sciendo, vol. 17(4), pages 1-11, December.
    • Handle: RePEc:vrs:finiqu:v:17:y:2021:i:4:p:1-11:n:3
    DOI: 10.2478/fiqf-2021-0023
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    More about this item

    Keywords

    financial inclusion; determinants; unbanked adults; access to finance; digital finance; financial literacy;
    All these keywords.

    JEL classification:

    • G00 - Financial Economics - - General - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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