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Achieving inclusive fintech and digital financial inclusion through financial capability

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  • Mark Yama Tampuri Junior
  • John Gartchie Gatsi
  • Emmanuel Attah Kumah Amponsah

Abstract

The study involved 1,080 employees from the public sector in the Bono East Region of Ghana to examine the impact of financial capability on digital financial inclusion using econometrics analysis. The study implores Sen's capability approach (CA) as an alternative framework with data gathered between July 2021 and November 2022 which was transformed into panel data. Overall, 75.4% of the variation in digital financial inclusion is accounted for by financial literacy, financial skills, financial behaviour and financial attitude. While financial literacy increased digital financial inclusion by 0.029% at the 5% level, financial skills enhanced digital financial inclusion by 2.289% at the 1% level, financial attitude enhanced digital financial inclusion by 1.419% while, financial behaviour contributed to a 0.915% surge in digital financial inclusion. The findings reveal that financial literacy, financial skills, financial attitude, and financial behaviour contribute to digital financial inclusion.

Suggested Citation

  • Mark Yama Tampuri Junior & John Gartchie Gatsi & Emmanuel Attah Kumah Amponsah, 2026. "Achieving inclusive fintech and digital financial inclusion through financial capability," International Journal of Electronic Finance, Inderscience Enterprises Ltd, vol. 15(2), pages 224-246.
    • Handle: RePEc:ids:ijelfi:v:15:y:2026:i:2:p:224-246
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