This study investigates the access to and usage of financial services in South Africa. Financial services are … the interactions between usage of different types of financial services, we use multivariate simultaneous probit … specification to examine the effect of financial perception. Our results suggests that after controlling for endogeneity of choices …

This study investigates the effect of financial perception and behaviour on; (a) general accounts and services, (b … three estimations support the hypothesis that financial perception has a greater effect on the decision to access and use … general accounts and services. The cross section and pooled models confirm the hypothesis that the effect of financial …

This study investigates the access to and usage of financial services in South Africa. Financial services are … the interactions between usage of different types of financial services, we use multivariate simultaneous probit … specification to examine the effect of financial perception. Our results suggests that after controlling for endogeneity of choices …