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Financial Inclusion – Globally Important Determinants

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  • PETERSON K. OZILI

    (Central Bank of Nigeria, Abuja, Nigeria)

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 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

Handle: RePEc:wsz:fiq000:v:17:y:2021:i:4:id:523
DOI: 10.2478/fiqf-2021-0023
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