specification to examine the effect of financial perception. Our results suggests that after controlling for endogeneity of choices … of financial perception however reduces and gradually disappears as one moves up the financial access ladder towards more …

This study investigates the effect of financial perception and behaviour on; (a) general accounts and services, (b … behaviour is greater than financial perception when making decisions on the take-up and use of investment financial services. It … three estimations support the hypothesis that financial perception has a greater effect on the decision to access and use …