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The Urban-Rural Gap in Research on Financial Inclusion: A Co-Occurrence Analysis

Author

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  • Jesús María Godoy-Bejarano
  • Juan Camilo Sanchez-Lopez

    (Universidad del Rosario, School of Business and Management, Bogotá, Colombia)

Abstract

Financial inclusion, defined as the widespread access and utilization of financial services by individuals and businesses, remains a recurring theme in development discussions due to its potential to alleviate poverty, enhance productivity, and promote equity. The interest of multilateral institutions and the wealth of information stemming from advancements in information and communication technologies have propelled empirical research primarily in urban areas, side-lining investigations in rural regions. Employing techniques of bibliometric analysis, this study unveils distinctions in the conceptual framework of financial inclusion, differentiating outcomes applicable to urban contexts from those pertinent to rural settings. Additionally, it identifies lingering theoretical and empirical gaps in research within both contexts, shedding light on prospective avenues for further investigation.

Suggested Citation

  • Jesús María Godoy-Bejarano & Juan Camilo Sanchez-Lopez, 2025. "The Urban-Rural Gap in Research on Financial Inclusion: A Co-Occurrence Analysis," Review of Development Finance Journal, Chartered Institute of Development Finance, vol. 15(1), pages 37-53.
    • Handle: RePEc:afj:journ3:v:15:y:2025:i:1:p:37-53
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    File URL: https://journals.co.za/doi/abs/10.10520/ejc-rdfin_v15_n1_a4
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    More about this item

    Keywords

    Financial inclusion; Fintech; Rural financial inclusion; Financial markets; Poverty; Rural development;
    All these keywords.

    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • I31 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General Welfare, Well-Being
    • O10 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - General

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