Automated banking services rely on the so-called fintech technologies. These technologies, however, represent an opportunity to enhance financial inclusion indicators among low-income customers. This paper aims to develop a new conceptual framework to analyse low-income consumers' disposition to...

India’s financial inclusion has significantly improved during the last several years. In recent years, there has been a rise in the number of Indians who have bank accounts, with this figure believed to be close to 80% at present. Fintech businesses in India are progressively becoming more...

A powerful tool to achieve equitable development is promotion of economic empowerment for marginalized citizens by increasing formal financial services access and utilization. The provision of these services via mobile phones has shown great promise in overcoming geographic, demographic, and...

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...

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...