Has expansion of mobile phone and internet use spurred financial inclusion in the SAARC countries?
作者机构：Consumer Unity&Trust Society(CUTS)International(a global independent non-profit economic policy research and advocacy organization)D-217Bhaskar MargBani ParkJaipurRajasthan-302016India School of Humanities and Social SciencesIndian Institute of TechnologySimrol CampusKhandwa RoadIndore 453552India.
出 版 物：《Financial Innovation》 (金融创新（英文）)
年 卷 期：2018年第4卷第1期
页 面：89-107页
核心收录：
学科分类：08[工学] 0812[工学-计算机科学与技术（可授工学、理学学位）]
基 金：We would like to express our gratitude to the Ministry of Human Resource Development Govt.of India for providing us financial support during this study period
主 题：Financial inclusion Fixed effect Random effect Panel corrected standard errors SAARC
摘 要：Exclusion from the mainstream financial world is a burden on the poor of many *** proliferation of new mobile and online financial services,such as e-banking,money transfers,and payment processing has the potential to provide access to basic financial products and services to financially excluded *** purpose of this study was to investigate the effects of the growth of mobile phone and Internet use on financial inclusion in the South Asian Association for Regional Cooperation(SAARC)countries from 2004 to *** applied principal component analysis to construct a financial inclusion index that served as a proxy variable for the accessibility of financial services in the SAARC *** three different models-the fixed effect,random effect,and panel correction standard errors modelsthis study discovered a positive and significant relationship between the growth of financial inclusion and expansion of both mobile phone and Internet ***,an empirical study of the control variables showed that the levels of income and education were positively associated with financial inclusion,whereas the size of the rural population and unemployment were negatively related to financial *** addition,the empirical estimates posit a unidirectional causal flow from the growth of mobile and Internet services to expanded financial inclusion in the SAARC countries.
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