Financial inclusion is perceived as an enabler of poverty reduction around the world and today is in agenda of all policy makers in both developed and developing countries. In order to emphasize the importance of financial inclusion and provide an insight to the level of financial inclusion...

This paper first explores the role of digital financial services, e.g. mobile money systems and cryptocurrency-based systems, and their impact on the choice of migrants to send remittances. Secondly we discuss whether alternative remittances sending channels increase access to financial services...