Simatele, Munacinga; Maciko, Loyiso - In: Journal of risk and financial management : JRFM 15 (2022) 9, pp. 1-22
Financial inclusion efforts have resulted in a rapid increase in access to financial services. However, the usage of these financial services has not expanded at the same pace, especially in rural areas. The paper explores the factors that have caused usage to lag behind access using a...