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Journal articles on the topic 'Digitalized Financial Inclusion'

Author: Grafiati

Published: 4 June 2025

Last updated: 1 August 2025

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1

Anh, Nguyen Cao, and Thai Hong Thuy Khanh. "Measuring A Composite Financial Inclusion Index in Lower-Middle Income Countries." International Journal of Religion 5, no. 12 (2024): 121–34. http://dx.doi.org/10.61707/3eynqq73.

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This study suggests a composite index of financial inclusion (FI) for financial development, based on three key dimensions: penetration, availability, and usage in lower-middle income countries. The methodology uses principal component analysis PCA to exploit a composite index of financial inclusion and test its impact of new components on financial development. On the secondary data of financial access from the sources of FAS-IMF and WB-Findex, the research result is found that there are two new components of overall financial inclusion: the traditional financial inclusive index (TFI) include

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2

Chiwira, Oscar. "THE CO-INTEGRATING RELATIONSHIP BETWEEN FINANCIAL INCLUSION AND ECONOMIC GROWTH IN THE SOUTHERN AFRICAN DEVELOPMENT COMMUNITY." EURASIAN JOURNAL OF ECONOMICS AND FINANCE 9, no. 3 (2021): 170–88. http://dx.doi.org/10.15604/ejef.2021.09.03.003.

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This study examines the relationship between financial inclusion and economic growth in SADC. It uses panel data covering the period between 1995 to 2015 and employs the Autoregressive Distributed Lag (ARDL) Bounds and the Toda and Yamamoto and Dolado and Lutkepohl (TYDL) models to examine the co-integrating relationship and the direction of causality respectively. The impact of financial inclusion on economic growth, when measured by the mobile penetration rate and the number of bank branches, diminishes in the long run to an extent of having a negative relationship with economic growth. This

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3

Panda, Prashanta Chandra. "Internet Citizens, Cashless Economy and Scope of Financial Inclusions." Liberal Studies 4, no. 2 (2019): 209–17. https://doi.org/10.5281/zenodo.3874041.

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A cashless economy is one in which all the transactions are performed using cards or by digital means. In India demonetization of currencies, digitalized (cashless) transactions are promoted in order to give a fillip to a cashless economy. Bank connectivity is a must for digital transactions. Strict enforcement of digital transactions will rapid the process to ensure financial inclusion in a time bound manner. Rush to the cashless economy or digital money system has its merits and certain demerits if you are not alert. One of the most important aspects is that it will pave the way for universa

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4

Conley, Randy H., and Eleadora Juliana Suico Cruz. "New Forms of Currency in the Digitalized World: Legal Assessment and Challenges." Science of Law 2024, no. 1 (2024): 9–23. http://dx.doi.org/10.55284/sol.v2024i1.123.

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The current digital revolution may result in a radical departure from the traditional model of financial exchange. In recent years, the central bank digital currency (CBDC) has become a policy and operational consideration for central banks, financial ministries and other institutions, due to its ability to respond to long-term and new challenges such as financial inclusion and system stability. This is an important subject of academic research carried out under the doctrine of financial market law. This issue undoubtedly has a growing impact on the practice of financial market functioning and

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5

Іщук, Леся, and Вадим Поліщук. "MONETARY INFLUENCE OF FINANCIAL INCLUSION ON PROGRESS IN ACHIEVEMENT OF SUSTAINABLE DEVELOPMENT OF SOCIO-ECOLOGICAL- ECONOMIC SYSTEMS." Економічний форум 1, no. 4 (2022): 199–207. http://dx.doi.org/10.36910/6775-2308-8559-2022-4-25.

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The article investigates the influence of financial inclusion on progress in achieving sustainable development of socio-ecological-economic systems. The key foundations of inclusive development are identified. The impact of financial inclusion on achieving an important factor in social equality and sustainable development is investigated. The impact of the financial market on the availability of financial services is determined. The need to ensure the regulation of digital financial configuration and the transition of financial services through the use of the modern digitalized country. The pr

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6

Kovanen, Arto. "Competing With Bitcoin - Some Policy Considerations for Issuing Digitalized Legal Tenders." International Journal of Financial Research 10, no. 4 (2019): 1. http://dx.doi.org/10.5430/ijfr.v10n4p1.

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The proliferation of peer-to-peer virtual alternatives to traditional banknotes has raised concerns among policymakers about the future of traditional means of making payments and how it might affect monetary policy implementation and its effectiveness. This study provides a brief overview of the existing research in this area. It compares positions taken in the literature by authors on some of the key policy issues relevant for central banks when thinking about the issuance of digitalized legal tenders. We examine the implications of government issued digital alternatives to traditional curre

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7

Tomczyk, Łukasz, and Natalia Edisherashvili. "Learning Objectives in Older Adult Digital Education - Redefining Digital Inclusion." International Journal of Cognitive Research in Science, Engineering and Education 12, no. 3 (2024): 507–20. https://doi.org/10.23947/2334-8496-2024-12-3-507-520.

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The article explores the redefinition of learning objectives within the context of digital education for older adults, addressing the critical need to enhance digital inclusion. It emphasizes the centrality of learning objectives as foundational elements in the design, implementation, and evaluation of educational programs. The study underscores the necessity of revising these objectives to promote the development of digital competences among older adults. As society becomes increasingly digitalized, traditional educational models must evolve to accommodate the dynamic digital landscape. The R

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Balboa, Evangelina, Marlon Ladesma, and Atty Nicolai Manguerra. "Digital Financing Innovations and Their Impact on the Financial Performance of SMEs in the Digital Economy Era." JMM17 : Jurnal Ilmu ekonomi dan manajemen 11, no. 1 (2024): 88–98. https://doi.org/10.30996/jmm17.v11i1.10879.

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This article delves into the transformative landscape of digital financing innovations and their impact on the financial performance of Small and Medium-sized Enterprises (SMEs) within the context of the digital economy era. Through a comprehensive exploration of literature and analysis of future trends, this study sheds light on the evolving dynamics of digital finance and its implications for SMEs. Key findings reveal a paradigm shift fueled by emerging technologies, including blockchain, artificial intelligence, and the Internet of Things. These technologies have ushered in a new era of fin

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9

Kiran Sankar, M. S., Sumit Gupta, and Sunil Luthra. "Modeling and Analysis of sustainability performance Indicators in spool fabrication industry." Journal of Physics: Conference Series 2779, no. 1 (2024): 012070. http://dx.doi.org/10.1088/1742-6596/2779/1/012070.

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Abstract The digitalized sustainability has become an inevitable element in the business strategies of organizations. Despite its huge potential, the implementation is a tedious and complicated task. Regardless of their prominent role in the oil & gas sector, the adaptation of sustainability in the spool fabrication industries is in the embryonic stage due to major impediments like organizational readiness, financial hurdles, lack of awareness and proper education, absence of stakeholder participation and lack of management support. In prior to the adaptation, the status quo of sustainabil

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10

Meliza and Anggrainy Putri Ayuningrum. "The Impact of Fintech Peer to Peer Lending and E-Money Transaction on Economic Growth: The Moderating Role of Inflation." E3S Web of Conferences 622 (2025): 04007. https://doi.org/10.1051/e3sconf/202562204007.

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The rise of financial technology (fintech) and digital transactions has transformed economic landscapes, particularly through peer-to-peer (P2P) lending and e-money transactions, both of which significantly contribute to economic growth. This study aims to examine the impact of fintech P2P lending and e-money transactions on economic growth, while also analyzing inflation as a moderating variable, which serves as a novel contribution to this research. Using secondary data from Bank Indonesia, this study applies multiple regression analysis with a random-effect model to assess the relationships

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11

Fadare, Adewale Abiodun. "Christian Ethical Response to The Challenges of Digital Financial Borrowing in Nigeria." Shodh Sari-An International Multidisciplinary Journal 03, no. 04 (2024): 194–207. http://dx.doi.org/10.59231/sari7756.

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Digital financial borrowing is the money borrowed online through digital mobile applications, platforms or phones that are offered by financial lenders using the Internet. Due to the advancement in financial technology, banking and financial services and operations have been digitalized. The emergence of digital finance has rebranded banking and financial borrowing access and opportunities. People can now borrow money online, digitally and seamlessly. This development is applaudable because it eases traditional banking operations burdens and removes bottlenecks in borrowing and lending to fina

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12

Banna, Hasanul, and Md Rabiul Alam. "DOES DIGITAL FINANCIAL INCLUSION MATTER FOR BANK RISK-TAKING? EVIDENCE FROM THE DUAL-BANKING SYSTEM." Journal of Islamic Monetary Economics and Finance 7, no. 2 (2021): 401–30. http://dx.doi.org/10.21098/jimf.v7i2.1320.

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This paper examines the nexus between digital financial inclusion (DFI) and levels of bank risk-taking, using a sample of 283 commercial banks (Islamic and conventional) from six countries over the period 2011 to 2019 and deploying panel-corrected standard errors, two-stage least squares-instrumental variables and dynamic panel two-step generalized method of moments estimators. The findings suggest that Islamic banks take more risks than their counterpart conventional banks. The empirical evidence also indicates that an increase in the DFI index score reduces the overall level of bank risktaki

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13

LI, Rongling, and Jun Wang. "Digital Inclusive Finance Helps Green Industry in Fujian Province Development." Asian Journal of Economics, Business and Accounting 24, no. 7 (2024): 524–40. http://dx.doi.org/10.9734/ajeba/2024/v24i71428.

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Aims: Digital inclusive finance, as a combination of modern technology and financial services, has developed rapidly in recent years. This new financial model has not only changed the traditional way of providing financial services, but also profoundly affected all aspects of economic and social development. The report of the 18th CPC National Congress made the important decision of "vigorously promoting the construction of ecological civilization " from the strategic height of the sustainable development of the Chinese nation. China's green industry has ushered in a new phase of rapid develop

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14

Oloba, Peter Babajide. "Challenges of 4IR implementation in post offices in developing countries: A case study of South Africa." Interdisciplinary Journal of Management Sciences 2, no. 1 (2025): a03. https://doi.org/10.38140/ijms-2025.vol2.1.03.

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The Fourth Industrial Revolution (4IR) presents an unprecedented opportunity for post offices in developing countries to modernise and enhance their services, addressing the evolving demands of a digital economy. However, implementing 4IR technologies in this sector is fraught with challenges, including inadequate infrastructure, corruption, inclusion bias, disparities in employee skillsets, and financial constraints. This study investigates these challenges, focusing on the South African context, to provide actionable insights and recommendations for effective 4IR adoption. The research adopt

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15

Gautam, Chandan Kumar. "The Rise of Fintech in India: Transforming Finance through Technology." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem46350.

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Abstract - The twenty-first century has witnessed remarkable advancements across various domains of financial technology (Fintech). Collaboration between technology and finance experts has led to the development of groundbreaking, digitalised solutions for financial operations (Dongare, Moharekar, & Moharekar, 2022; Goel, Kulsrestha, & Maurya, 2022). This paper presents an overview of Fintech's evolution, purpose, and significance. Firstly, it conceptualises Fintech as the broad intersection between technology and finance, a relationship that can be analysed through the framework of th

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16

Pilmane, Mara, Elga Sidhoma, and Zane Vitenberga. "DEVELOPMENT OF A MICROSCOPY SLIDE SYSTEM OF BASIC SUBJECTS FOR INCLUSION IN E -STUDIES FOR MEDICAL AND DENTISTRY STUDENTS." SOCIETY. TECHNOLOGY. SOLUTIONS. Proceedings of the International Scientific Conference 1 (April 17, 2019): 9. http://dx.doi.org/10.35363/via.sts.2019.4.

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INTRODUCTION Medical and dentistry studies are time-consuming and require patience and perseverance. The study of basic medical subjects including Histology with Cell biology and Embryology require the possibility for regular study of tissues and self-evaluation which should not be limited in time, and should not be limited to classroom time. Furthermore, official slide-sets for the above-mentioned subjects often contain incomplete cell, tissue and organ slides which do not allow a full understanding of the teaching subjects. Thus, our aim was the development of a microscopy slide system

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17

Suoye, Igoni, Anthony Nwadioha Nnaemeka, and Henry Ogiri Itotenaan. "Evolution of eNaira for Re-engineering the Nigerian Emerging Economy." Journal of Economics, Finance and Management Studies 5, no. 10 (2022): 2866–74. https://doi.org/10.5281/zenodo.7185037.

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The Central Bank of Nigeria has recently initiated idea to digitalize the Nigerian currency (Naira) making it possible to be stored in a wallet. The launch of the eNaira has been seen as an avenue to change the narrative of doing business globally without encumbrances. Based on this, the study examined the evolution of eNaira for re-engineering the Nigerian emerging economy. The study specifically sought how eNaira re-engineer’s financial inclusion, direct and transparent welfare intervention, and revenue base in the Nigerian emerging economy. The study adopted a descriptive survey resea

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18

Sushmitha, V. "DIGITALISED FINANCIAL INCLUSION IN INDIA: THE PATH TOWARDS DIGITALLY AND FINANCIALLY EMPOWERED ECONOMY." July 12, 2020. https://doi.org/10.5281/zenodo.5100993.

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Digitalized financial inclusion is one of the innovative and effective mechanisms which help to provide financial services to unreached and uncovered people in India. Providing financial services to the underprivileged people is a part of financial system of the country that promotes socio economic development. Therefore, there is a need of understanding the impact of digitalized financial inclusion in India with respect to the application of modern communication technology. As of 31 December 2018, India had a population of 130 crore people, 123 crore Aadhaar digital biometric identity cards,

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19

Jhamb, Anchit, and Swati Aggarwal. "Digitalized Financial Inclusion: A Cause of Development in India." Business and Economics Journal 09, no. 01 (2018). http://dx.doi.org/10.4172/2151-6219.1000338.

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20

Subhash, Chandra. "The Role of Financial Inclusion and Digital Literacy in Indian Perspective." January 16, 2025. https://doi.org/10.5281/zenodo.14673414.

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Financial inclusion and digital literacy are critical enablers of economic growth and social development in the modern world. This paper examines the interdependence of these concepts, emphasizing their role in fostering equitable access to financial services for underserved populations. Financial inclusion involves ensuring that individuals and businesses, particularly those in marginalized communities, have access to affordable, reliable, and secure financial products and services. Digital literacy, the ability to effectively use digital technologies for accessi

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21

Carbo-Valverde, Santiago, Juan A. Lacomba-Arias, Francisco M. Lagos-García, Francisco Rodriguez-Fernandez, and Juan Verdejo-Román. "Brain substrates explain differences in the adoption and degree of financial digitalization." Scientific Reports 10, no. 1 (2020). http://dx.doi.org/10.1038/s41598-020-74554-3.

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Abstract This study analyzes neural responses connected to trust and risk to explain financial digitalization decisions. It shows that brain responses distinctively inform differences in the adoption of digital financial channels that are not shown by any other sociodemographic or behavioral indicators. From a methodological standpoint, the study explores if usage patterns of digital financial channels and instruments are associated with psychological and biological indicators; it uses functional magnetic resonance imaging (fMRI) to investigate whether financial digitalization decisions are li

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22

Eton, Marus, Fabian Mwosi, Constant Okello-Obura, Abanis Turyehebwa, and Gilbert Uwonda. "Financial inclusion and the growth of small medium enterprises in Uganda: empirical evidence from selected districts in Lango sub-region." Journal of Innovation and Entrepreneurship 10, no. 1 (2021). http://dx.doi.org/10.1186/s13731-021-00168-2.

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AbstractThe growth and failure of small and medium enterprises has been a topic of discussions world over among policymakers and researchers. This study was guided by the following objectives: to examine the contributions of small medium enterprises (SMEs), to determine the challenges affecting small medium enterprises, to examine how financial inclusiveness supports the growth of small medium enterprises, and to establish the relationship between financial inclusion and growth of small medium enterprises. The study used a cross-sectional research design. Descriptive design was used and supple

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23

Tao, Han. "Performing and evaluating creditworthiness: Bank loans and the financial inclusion of micro/small enterprises in China." Annals of Anthropological Practice, April 24, 2025. https://doi.org/10.1111/napa.70015.

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AbstractDespite being key to China's economic development, micro and small enterprises have long faced difficulties in accessing bank financing. Consequently, the government has introduced digital lending platforms like “Credit Easy Loan” to enable “creditworthy” microentrepreneurs to obtain collateral‐free loans. These platforms are expected to collect and integrate social credit data, thus easing the information asymmetry between banks and private enterprises. Based on 10 months of fieldwork in two Chinese cities, this paper investigates banks’ digital and nondigital credit assessment practi

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24

Tao, Han. "Credit Data, Banks, “Packaging Agencies” and the Promise of Digital Lending to Small Businesses in China." China Quarterly, February 13, 2025, 1–16. https://doi.org/10.1017/s0305741025000013.

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Abstract Micro, small and medium-sized enterprises (MSMEs) in China often struggle to secure loan financing. In response, the government has required banks to increase credit for MSMEs and incorporate digital technologies into traditional credit evaluation models. In 2018, the state introduced “credit easy loan” digital lending platforms under its social credit system to facilitate collateral-free loans for MSMEs in a bid to enhance financial inclusion and social trust. Meanwhile, the actual implementation of these initiatives remains understudied. Drawing on six months of ethnographic fieldwo

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25

Kakinuma, Yosuke. "Financial literacy and quality of life: a moderated mediation approach of fintech adoption and leisure." International Journal of Social Economics, June 27, 2022. http://dx.doi.org/10.1108/ijse-10-2021-0633.

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PurposeThis study explores the relationship between financial literacy and quality of life (QoL). The study further examines the mediating effect of fintech adoption and the moderating effect of leisure on the relationship between financial literacy and QoL.Design/methodology/approachUsing convenience sampling, 345 respondents participated in a cross-sectional survey. To test the moderated mediation hypotheses, the PROCESS macro was used.FindingsThe results reveal the mediating effect of fintech adoption on the relationship between financial literacy and QoL, highlighting the importance of dig

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26

Pashchenko, Taras. "NEOBANKS: A NEW BUSINESS MODEL IN THE GLOBAL FINANCIAL SYSTEM IN THE CONDITIONS OF FINANCIAL CRISIS." International Humanitarian University Herald. Economics and Management, no. 59 (2024). https://doi.org/10.32782/2413-2675/2024-59-17.

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The article explores the impact of global financial crises on a new business model within the global financial system – neobanks. Neobanks are a new type of bank that entered the banking system to compete with traditional banks by offering customers a new digital experience. It is noted that digital transformation is one of the key factors determining the effectiveness of neobanks. Digital transformation has attracted significant academic attention in the fields of management, business, information systems, information technology, and marketing. The concept of neobanks emerged in the early 201

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27

B, Bharath, and Dr Ravi Kumar K. "A Study on Financial Inclusion and its Effectiveness on Direct Benefit Transfer Schemes." International Journal of Research Publication and Reviews, November 8, 2022, 599–606. http://dx.doi.org/10.55248/gengpi.2022.3.11.6.

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India's progress toward financial inclusion has been amazing during the past ten years, and the Indian government has actively supported it through initiatives like the Digital India Movement and the Pradhan Mantri Jan Dhan Yojana. To build an inclusive society, reducing poverty and solving the difficulties of securing sustained income may become crucial. Information and communication technologies are gradually opening up access to the unbanked people and assisting in attracting them to the banking industry. Digital technologies are promoting usage and improving residents' quality of life. In

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28

"Evolution of eNaira for Re-engineering the Nigerian Emerging Economy." JOURNAL OF ECONOMICS, FINANCE AND MANAGEMENT STUDIES 5, no. 10 (2022). http://dx.doi.org/10.47191/jefms/v5-i10-06.

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The Central Bank of Nigeria has recently initiated idea to digitalize the Nigerian currency (Naira) making it possible to be stored in a wallet. The launch of the eNaira has been seen as an avenue to change the narrative of doing business globally without encumbrances. Based on this, the study examined the evolution of eNaira for re-engineering the Nigerian emerging economy. The study specifically sought how eNaira re-engineer’s financial inclusion, direct and transparent welfare intervention, and revenue base in the Nigerian emerging economy. The study adopted a descriptive survey research de

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29

N., Abhishek, Neethu Suraj, Habeeb Ur Rahiman, et al. "Digital transformation in accounting: elevating effectiveness across accounting, auditing, reporting and regulatory compliance." Journal of Accounting & Organizational Change, April 3, 2024. http://dx.doi.org/10.1108/jaoc-01-2024-0039.

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Purpose The study aims to analyse the role of digitisation in accounting in enhancing the overall effectiveness of accounting functions. To achieve this, the study provides empirical evidence from the stakeholder’s perspective of digitisation of accounting, auditing, reporting and regulatory compliance procedures. Design/methodology/approach The study has applied a quantitative approach to identify the thoughts of auditors, accountants and academicians on the impact of digitalised accounting applications on accounting functions. The data was collected by administering an empirical study and a

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30

Fitswemila Philip, Stephanie. "Cybercrime and its Implications on the Economy of Nigeria." International Journal of Innovative Science and Research Technology (IJISRT), July 9, 2024, 2141–47. http://dx.doi.org/10.38124/ijisrt/ijisrt24jun1539.

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One of the tenets of globalization is the advancement of Information and Communication Technology (ICT) mainly achieved through computer interconnectivity enabled by the internet in a presumed market place known as cyber space where both buyers, sellers and users in the form of individuals, corporate bodies and government meet. These interconnectivity brought about economic opportunities and inclusion. One of the areas so developed is the e-commerce sector where communication and interactions in the form of transaction is hinged on instant exchange of information, goods and services but, as fr

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