Please use this identifier to cite or link to this item: http://hdl.handle.net/10316/98848
Title: Reaching Financial Inclusion: Necessary and Sufficient Conditions
Authors: Geraldes, Helena Susana Amaral
Gama, Ana Paula Matias
Augusto, Mário António Gomes 
Keywords: financial inclusion, financial literacy, human development, financial infrastructure.
Issue Date: 6-Jan-2022
Place of publication or event: https://link.springer.com/article/10.1007/s11205-021-02850-0#citeas
Abstract: Financial inclusion is a vital development policy concern; different combinations and conditions of access to (supply) and use of (demand) financial services may predict levels of financial inclusion. With a fuzzy set qualitative comparative analysis, conducted across 61 countries worldwide, the current research establishes that financial literacy and human development are conditions of high financial inclusion; supply-side drivers, such as bank concentration and bank branches, represent substitutive conditions for attaining high levels of financial inclusion. With separate analyses of a split sample, designating developed and developing countries, the authors also determine that the absence of financial literacy and human development, as demand-side drivers, leads to diminished financial inclusion for both sets of countries. In turn, this research offers novel ideas for achieving more efficient policies to prompt financial inclusion.
URI: http://hdl.handle.net/10316/98848
ISSN: 0303-8300
1573-0921
DOI: 10.1007/s11205-021-02850-0
Rights: embargoedAccess
Appears in Collections:I&D CeBER - Artigos em Revistas Internacionais

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