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Banking the Unbanked : What Do 255 Million New Bank Accounts Reveal about Financial Access?

Agarwal, Sumit - 2017

Using administrative account level data, we study the largest financial inclusion program in India that led to 255 million new bank account openings. About 77% of these accounts maintain a positive balance. While the initial usage remains quite infrequent, it gradually converges to that of...

Persistent link: https://www.econbiz.de/10012964578

Bank Savings and Bank Credits in Nigeria : Determinants and Impact on Economic Growth

Orji, Anthony - 2015

This study investigated the determinants of bank savings in Nigeria as well as examined the impact of bank savings and bank credits on Nigeria's economic growth from 1970-2006. We adopted two impact models; Distributed Lag-Error Correction Model (DL-ECM) and Distributed Model. The empirical...

Persistent link: https://www.econbiz.de/10013034614

Fintech and Banking

Thakor, Anjan V. - 2019

This paper is a review of fintech and its interaction with banking. Included in fintech are innovations in payment systems (including cryptocurrencies), credit markets (including P2P lending), and insurance, with blockchain-assisted smart contract playing a role. The paper provides a definition...

Persistent link: https://www.econbiz.de/10012893090

Financial Inclusion, Banking Stability, and Digital Technology Development in ASEAN

Noor, Raisha; Viverita, Viverita; Husodo, Zaäfri A. - 2021

The purpose of this study is to examine the effect of financial inclusion, supported by digital technology development on income inequality, poverty, and banking stability in ASEAN’s emerging countries. This study employs the Generalized Method of Moment (GMM) and Generalized Least Square...

Persistent link: https://www.econbiz.de/10013218371

Financial Inclusion-Exclusion Paradox : How Banked Adults Become Unbanked Again

Ozili, Peterson K - 2021

This paper analyses how financially included adults might become unbanked again. Agents of financial inclusion incorporate economic and social constraints in the delivery of formal financial services. These constraints limit the ability of poor banked adults to use basic financial services to...

Persistent link: https://www.econbiz.de/10013222250

Banking and Transparency : Is More Information Always Better?

Allenspach, Nicole - 2009

This paper shows that transparency in banking can be harmful from a social planner's point of view. According to our model, enhancing transparency above a certain level may lead to the inefficient liquidation of a bank. The reason lies in the nature of a standard deposit contract: its payoff...

Persistent link: https://www.econbiz.de/10013153062

Banking in the Digital Age - Who is Afraid of Payment Disintermediation?

Geva, Benjamin - 2018

Throughout the ages, banks have evolved as intermediaries taking deposits of funds, lending money, and providing payment services. In the process they became also suppliers of commercial bank money, now only in the form of bank deposits. Following a historical review as to how money changers and...

Persistent link: https://www.econbiz.de/10012923065

Institutional quality's influence on financial inclusion' impact on bank stability

Dao Ha; Nguyen, Yen - In: Cogent economics & finance 11 (2023) 1, pp. 1-22

Using the Generalized Method of Moments (GMM), this study examines the influence of institutional quality on the impact … good institutional quality. This is verified again in terms of institutional quality aspects. Corruption control, political … stability, government efficiency, and the rule of law have positive effects, while regulatory quality has negative effects. The …

Persistent link: https://www.econbiz.de/10014500740

Role of Commercial Banks in Achieving Financial Inclusion – A Comparative Study of Canara Bank and Corporation Bank

P S, Meghana - 2021

Financial inclusion has become one amongst the vital aspects within the context of inclusive growth and sustainable development. It helps to scale back the income disparity and poverty alleviation. Financial Inclusion is the process of ensuring access to appropriate financial products and...

Persistent link: https://www.econbiz.de/10013230252

Overview of financial inclusion, regulation, and education

Yoshino, Naoyuki; Morgan, Peter J. - 2016

Financial inclusion is receiving increasing attention for its potential to contribute to economic and financial development while fostering more inclusive growth and greater income equality. Although substantial progress has been made, there is still much to achieve. East Asia, the Pacific, and...

Persistent link: https://www.econbiz.de/10011540468