Regional foreign banks and financial inclusion: Evidence from Africa

Léon, Florian; Zins, Alexandra

doi:10.1016/j.econmod.2019.03.012

Cited by 48 publications

(21 citation statements)

References 33 publications

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“…In every year of study, it is found that state-owned banks offer more initiatives than private commercial banks, which is explicit in Table 2. Also, in each year of study, the disclosure percentage of the banks increased considerably, which is consistent with the findings of Leon (2019). The growth rate of the disclosure proportion of the banks under study is Demonstrated in Table 3.…”

Section: Figure 1 Trend Analysis Of Proportion Percentage Of Financial Inclusion Disclosure In 2015supporting

confidence: 86%

Financial Inclusion Disclosure: Empirical Evidence From Banking Industry Of Bangladesh

Das

2021

GJBEM

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Financial inclusion refers to the procedure of making financial services accessible to all individuals and businesses at reasonable costs. Financial inclusion strives to address the constraints that retard people from participating in the financial sector. It has been drawn much attention for its contribution to economic and commercial development, raising inclusive growth, minimizing income inequality all over the world, especially in developing countries like Bangladesh. Central Bank of Bangladesh (Bangladesh Bank) formulated a financial inclusion policy in 2009 intending to make banking services available to unbanked people. This study examines the Financial Inclusion Disclosure by 30 Banks (5 state-owned banks and 25 private commercial banks) of Bangladesh, which are listed in the Dhaka Stock Exchange during the period 2015-2019. The objective of the study is to analyze the activities of the banking sector of Bangladesh for making banking services available to unbanked people. For that purpose, annual reports of the selected banks have been studied, and findings are demonstrated through graphs. According to the study findings, priority areas of financial inclusion include school banking, agent banking, street children account,10 taka farmers account, SME financing, rural credit, women entrepreneur loan, etc. This study also shows the prospects of financial inclusion, financial inclusion issues that are highly emphasized, barriers to financial inclusion, and initiatives needed to overcome these barriers. This study findings depict that the financial inclusion performance of state-owned banks of Bangladesh is relatively better than those of private commercial banks, and inclusion actions are increasing with time. Policymakers might use these findings and also the banks to ensure no eligible person remains unbanked. Keywords: Bangladesh Bank; disclosure; financial inclusion; unbanked people

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Section: Figure 1 Trend Analysis Of Proportion Percentage Of Financial Inclusion Disclosure In 2015supporting

confidence: 86%

Financial Inclusion Disclosure: Empirical Evidence From Banking Industry Of Bangladesh

Das

2021

GJBEM

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“…Another school of thought argue that financial inclusion can be achieved through other strategies and interventions such as through smartphone-based micro-lending (Bravo et al, 2018), women empowerment (Shetty and Hans, 2018), increased regulations (Chen and Divanbeigi, 2019), foreign bank entry (Leon and Zins, 2019), creating microfinance institutions or banks (Yi et al, 2018), Islamic banking (Naceur et al, 2017), optimal monetary policy (Mehrotra and Yetman, 2014), integrating financial services into post office shops (Pollin and Riva, 2002;Anson et al, 2013), entrepreneurship (Kimmitt and Munoz, 2017), using selfhelp groups (Pati, 2009), agent banking (Diniz et al, 2012), improved consumer protection reforms (Dias and McKee, 2010), building financial capability (Sherraden, 2013), reducing the distance to a bank (Demirgüç-Kunt and Klapper, 2012), access to point-of-sale (POS) and point-of-transaction (POT) devices (Banka, 2014), mobile money (Donovan, 2012), rural branching (Aggarwal and Klapper, 2013), and many more.…”

Section: Achieving Financial Inclusion Through Other Strategies and Imentioning

confidence: 99%

Financial inclusion research around the world: A review

Ozili¹

2020

Forum for Social Economics

237

133

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This paper provides a comprehensive review of the recent evidence on financial inclusion from all regions of the World. It identifies the emerging themes in the financial inclusion literature as well as some controversy in policy circles regarding financial inclusion. In particular, I draw attention to some issues such as optimal financial inclusion, extreme financial inclusion, how financial inclusion can transmit systemic risk to the formal financial sector, and whether financial inclusion and exclusion are pro-cyclical with changes in the economic cycle. The key findings in this review indicate that financial inclusion affects, and is influenced by, the level of financial innovation, poverty levels, the stability of the financial sector, the state of the economy, financial literacy, and regulatory frameworks which differ across countries. Finally, the issues discussed in this paper opens up several avenues for future research

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“…Studies show that the size of the banking system cannot improve financial inclusion (Turegano and Herrero 2018). Moreover, there are studies examining the effect of banking systems on financial inclusion, e.g., the effect of rural banking (Aggarwal and Klapper 2013), Islamic banking (Naceur et al 2017), and the entry of foreign banks (Leon and Zins 2020). From the authors' perspective, China has experienced significant progress in the financial market and sectors, especially in the banking industry 1 and the effect of foreign banks on financial inclusion could be a hot research topic, given the booming financial inclusion market and the increasing competition of foreign banks in the Chinese market.…”

Section: Connection Between the Banking System And Financial Inclusionmentioning

confidence: 99%

Financial inclusion in China: an overview

Chen

Yuan

2021

Front. Bus. Res. China

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Financial inclusion has become an important development strategy in many countries, and related research is increasing. Financial inclusion in China has had significant progress recently. It has gradually formed a unique and sustainable development path with supporting policies and regulations as well as rapid development and application of digital technology. While challenges remain, the experience of Chinese financial inclusion provides valuable lessons and research directions for policymakers and researchers.

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Regional foreign banks and financial inclusion: Evidence from Africa

Cited by 48 publications

References 33 publications

Financial Inclusion Disclosure: Empirical Evidence From Banking Industry Of Bangladesh

Financial Inclusion Disclosure: Empirical Evidence From Banking Industry Of Bangladesh

Financial inclusion research around the world: A review

Financial inclusion in China: an overview

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