Mossie, Workineh Ayenew - In: Cogent Business & Management 10 (2023) 1, pp. 1-22
world. Therefore, this paper is motivated to examine the drivers, barriers and motivations associated with financial … determinants, barriers, saving and credit motivations are different across individual characteristics. Involuntary exclusion (such … an account,) are significant barriers to formal account ownership. The study also found that the motives for using …