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Munich Personal RePEc Archive

Financial inclusion: the globally important determinants

Ozili, Peterson K (2021): Financial inclusion: the globally important determinants. Published in: Financial Internet Quarterly

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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 borrowings; financial literacy and education; debit and credit cards usage; the need to receive remittances from family and friends; size of the financial system; number of automated teller machines (ATMs); number of bank branch; closeness 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.

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