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Is digital financial inclusion unlocking growth?

Khera, Purva; Ng, Stephanie; Ogawa, Sumiko; Sahay, Ratna - 2021

Digital financial services have been a key driver of financial inclusion in recent years. While there is evidence that financial inclusion through traditional services has a positive impact on economic growth, do the same results carry over for digital financial inclusion? What drives digital...

Persistent link: https://www.econbiz.de/10012612325

Financial inclusion : what have we learned so far? : what do we have to learn?

Barajas, Adolfo; Beck, Thorsten; Belhaj, Mohamed; Ben … - 2020

The past two decades have seen a rapid increase in interest in financial inclusion, both from policymakers and researchers. This paper surveys the main findings from the literature, documenting the trends over time and gaps that have arisen across regions, income levels, and gender, among...

Persistent link: https://www.econbiz.de/10012300650

Filling the gap : digital credit and financial inclusion

Bazarbash, Majid; Beaton, Kimberly - 2020

Can fintech credit fill the credit gap in the consumer and business segments? There are few cross-country studies that explore this question. Focusing on marketplace lending, an important part of fintech credit, we use data for 109 countries from 2015 to 2017 to study the relationship between...

Persistent link: https://www.econbiz.de/10012300655

Unlocking access to finance for SMEs : a cross-country analysis

Fouejieu, Armand; Ndoye Faye, Anta; Sydorenko, Tetyana - 2020

Countries in the MENAP and CCA regions have the lowest levels of financial inclusion of small and medium enterprises (SMEs) in the world. The paper provides empirical evidence on the drivers of SME access to finance for a large sample of countries, and identifies key policy priorities for these...

Persistent link: https://www.econbiz.de/10012251308

Do remittances enhance financial inclusion in LMICs and in fragile states?

Ben Naceur, Samy; Chami, Ralph; Trabelsi, Mohamed - 2020

This paper explores the relationship between remittances and financial inclusion for a sample of 187 countries over the period 2004-2015, using cross-country as well as dynamic panel GMM regressions. At low levels of remittances-to-GDP, these flows act as a substitute to formal financial...

Persistent link: https://www.econbiz.de/10012251374

Financial inclusion under the microscope

Agarwal, Sumit; Kigabo, Thomas; Minoiu, Camelia; … - 2018

individuals already at commercial banks and only initially receive smaller loans. Our results suggest that the microfinance sector …

Persistent link: https://www.econbiz.de/10011932264

Borrowing costs and the role of multilateral development banks : evidence from cross-border syndicated bank lending

Gurara, Daniel Zerfu; Presbitero, Andrea; Sarmiento, Miguel - 2018

Cross-border bank lending is a growing source of external finance in developing countries and could play a key role for infrastructure financing. This paper looks at the role of multilateral development banks (MDBs) on the terms of syndicated loan deals, focusing on loan pricing. The results...

Persistent link: https://www.econbiz.de/10011978454

India's approach to open banking : some implications for financial inclusion

Carrière-Swallow, Yan; Haksar, Vikram; Patnam, Manasa - 2021

We examine how the development of the digital infrastructure known as the 'India Stack'-including an interoperable payments system, a universal digital ID, and other features-is delivering on the government's objective to expand the provision of financial services. While each individual...

Persistent link: https://www.econbiz.de/10012518740

Fintech potential for remittance transfers : a Central America perspective

Bersch, Julia; Clevy, Jean François; Muhammad, Naseem; … - 2021

This paper analyzes the potential for fintech to facilitate cheaper and more efficient remittances, and to enhance financial inclusion in Central America. Digital remittances remain nascent in the region, primarily reflecting behavioral inertia, small cost advantages of digital over traditional...

Persistent link: https://www.econbiz.de/10012610695

Impact of interest rate cap on financial inclusion in Cambodia

Heng, Dyna; Chea, Serey; Heng, Bomakara - 2021

financial inclusion under certain conditions. This paper examines the effect of microfinance-loan interest rate caps on … financial inclusion in Cambodia. Based on a difference-in-difference analysis on bank and microfinance supervisory data, results … new loans following the introduction of an annual capitolo Microfinance borrowers declined immediately, amid an increase …

Persistent link: https://www.econbiz.de/10012604813