At what point do you consider yourself financially included? This question, which is this paper's objective, is considered mundane and therefore seldom asked and consequently hardly answered. The paper anchors its assessment on the distinction between access and usage of financial services and...

At what point do you consider yourself financially included? This question, which is this paper's objective, is considered mundane and therefore seldom asked and consequently hardly answered. The paper anchors its assessment on the distinction between access and usage of financial services and...