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100 Quotes About Financial Inclusion: What Expert Observations Say About Digital Financial Inclusion

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  • Ozili, Peterson K

Abstract

This article presents some of the current thinking and arguments about financial inclusion from the perspective of informed financial inclusion experts. It gives the reader an opportunity to reflect on the objective, benefits, risks and challenges of financial inclusion and to make an independent assessment of what the financial inclusion agenda is all about. The viewpoints, presented as quotes in this article, show that financial inclusion is a promising development policy agenda and there are good intentions for promoting financial inclusion. However, achieving financial inclusion is a complex process, with too many interested parties seeking to serve customers in exchange for gain while banked adults are left to deal with the residual risks associated with using traditional and/or digital financial services.

Suggested Citation

  • Ozili, Peterson K, 2026. "100 Quotes About Financial Inclusion: What Expert Observations Say About Digital Financial Inclusion," MPRA Paper 129328, University Library of Munich, Germany.
    • Handle: RePEc:pra:mprapa:129328
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    References listed on IDEAS

    as
    1. Ms. Kazuko Shirono & Berhe Beyene & Fozan Fareed & Christiaan Loots & Andrea Quevedo & Kameshnee Naidoo, 2024. "Understanding Barriers to Financial Access: Insights from Bank Pricing Data," IMF Working Papers 2024/150, International Monetary Fund.
    2. Franklin Allen & Elena Carletti & Robert Cull & Jun ‘QJ’ Qian & Lemma Senbet & Patricio Valenzuela, 2014. "The African Financial Development and Financial Inclusion Gaps," Journal of African Economies, Centre for the Study of African Economies, vol. 23(5), pages 614-642.
    3. Asli Demirguc-Kunt & Leora Klapper, 2013. "Measuring Financial Inclusion: Explaining Variation in Use of Financial Services across and within Countries," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 44(1 (Spring), pages 279-340.
    4. Philip Mader, 2018. "Contesting Financial Inclusion," Development and Change, International Institute of Social Studies, vol. 49(2), pages 461-483, March.
    5. Asli Demirguc-Kunt & Leora Klapper, 2013. "Measuring Financial Inclusion: Explaining Variation in Use of Financial Services across and within Countries," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 46(1 (Spring), pages 279-340.
    6. Koefer, Franziska & Bokkens, Amber & Preziuso, Massimo & Ehrenhard, Michel, 2024. "Addressing financial and digital literacy challenges for inclusive finance: Insights from microfinance institutions and fintech organisations," EIF Working Paper Series 2024/97, European Investment Fund (EIF).
    7. Peterson Kitakogelu Ozili, 2021. "Has financial inclusion made the financial sector riskier?," Journal of Financial Regulation and Compliance, Emerald Group Publishing Limited, vol. 29(3), pages 237-255, January.
    8. Serhan Cevik, 2025. "Promise (Un)Kept? Fintech and Financial Inclusion," Scottish Journal of Political Economy, Scottish Economic Society, vol. 72(3), July.
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    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

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