Financial inclusion and sustainable development: A review and research agenda

Ellili, Nejla Ould Daoud

doi:10.1057/s41264-024-00269-5

Cited by 2 publications

(1 citation statement)

References 97 publications

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“…Behavioral economics, as studied by Karlan and Zinman 30 , enriches this understanding by examining how psychological and cognitive factors influence financial behavior, informing strategies to enhance engagement with financial services. Recent studies by Strömbäck, et al 50 and Ellili 51 have further expanded on the role of behavioral factors in shaping financial decision-making and inclusion, particularly among women and marginalized communities.…”

Section: Conceptual Framework For Financial Inclusionmentioning

confidence: 99%

Determinants of financial inclusion gaps in Pakistan and implications for achieving SDGs

Razzaq,

Qin,

Zhou

et al. 2024

Sci Rep

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This study investigates the determinants of gender disparities in financial inclusion in Pakistan using Global Findex 2021 survey data. We aim to quantify gender gaps in financial access and use, and to analyze the socio-economic factors influencing these disparities. Grounded in Sen’s capability approach and behavioral economics, we employ logistic regression to examine how gender influences the ownership and usage of financial products. Our results reveal significant gender gaps: only 13% of Pakistani women have financial accounts compared to 34% of men, with similar disparities in digital finance. Socio-economic variables like education, income, and employment are found to influence financial inclusion differently for men and women. While generally supportive of financial inclusion, these factors have a weaker effect for women, suggesting deeper societal barriers. This study adds to the global financial inclusion discourse by providing a comprehensive analysis of gender disparities in Pakistan. Our findings highlight the need for gender-sensitive policies that address these disparities to achieve Sustainable Development Goals related to gender equality and economic empowerment.

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Section: Conceptual Framework For Financial Inclusionmentioning

confidence: 99%

Determinants of financial inclusion gaps in Pakistan and implications for achieving SDGs

Razzaq,

Qin,

Zhou

et al. 2024

Sci Rep

View full text Add to dashboard Cite

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Mapping the fintech revolution: how technology is transforming credit risk management

Nobanee,

Ellili,

Chakraborty

et al. 2024

GKMC

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Purpose This study aims to investigate the intersection of financial technology (fintech) and credit risk exploring the impact of fintech on credit risk within the banking and financial sector. Design/methodology/approach Using a bibliometric analysis approach, this study comprehensively reviews existing literature to understand the evolving landscape of fintech and credit risk. Data were extracted from the Scopus database using a comprehensive query encompassing various fintech-related keywords and their synonyms. Findings This study pinpoints six research streams on fintech and credit risk, spanning credit risk management, risk-sharing, credit scoring, regulatory challenges, small business lending impact and consumer credit market influence. It also examines recent advancements like artificial intelligence, blockchain and big data analytics in managing risk obligations. Research limitations/implications While this study offers a comprehensive assessment, limitations include the ever-evolving nature of technology and potential biases in the retrieval process. Researchers should consider these factors when building on this study's findings. Practical implications The findings have practical implications for financial institutions, policymakers and researchers, offering insights into the opportunities and challenges presented by fintech in credit risk management. This study highlights potential areas for the application of advanced technologies in risk assessment and mitigation. Social implications This study underscores the transformative impact of fintech on financial services, emphasizing the potential for more inclusive access and improved risk management. It encourages further exploration of fintech's societal implications, including its role in small business lending and consumer credit markets. Originality/value This study contributes to the existing body of knowledge by conducting a thorough bibliometric review, surpassing previous analyses in scope. It encompasses an extensive set of keywords to ensure the comprehensive retrieval of relevant papers, providing a foundation for future research in the dynamic field of fintech and credit risk.

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Financial inclusion and sustainable development: A review and research agenda

Cited by 2 publications

References 97 publications

Determinants of financial inclusion gaps in Pakistan and implications for achieving SDGs

Determinants of financial inclusion gaps in Pakistan and implications for achieving SDGs

Mapping the fintech revolution: how technology is transforming credit risk management

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