Izvorni znanstveni članak
https://doi.org/10.15179/ces.28.1.3
Enhancing Global Financial Inclusion Through Fintech: The Importance of Connectivity
Lilianne Isabel Pavón Cuéllar
orcid.org/0000-0002-1410-034X
; Universidad Anáhuac México (Anáhuac University Mexico), School of Business and Economics, Mexico City, Mexico
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* Dopisni autor.
Sažetak
Building on the established link between financial inclusion and sustainable economic growth, this study examines the role of connectivity, a key enabler of fintech, in advancing financial inclusion across four dimensions: account ownership, digital payments, savings, and credit. A financial connectivity index is developed using principal component analysis (PCA) to consolidate multiple access channels into a single, comprehensive indicator. Incorporating control variables identified in the literature, panel data models reveal that connectivity promotes financial inclusion at all its stages. However, as individuals deepen their engagement with financial services, factors such as education, cultural traits, and regulatory quality become increasingly influential. Stable, high-quality employment also emerges as a critical determinant, particularly for long-term financial commitments. Despite limitations in data quality, the consistency and explanatory power of the models across all dimensions support the robustness of the study’s hypotheses. Overall, the findings underscore that, while financial connectivity is essential, advancing global financial inclusion requires cultural sensitivity and a robust regulatory framework.
Ključne riječi
financial inclusion; fintech; cultural traits
Hrčak ID:
348459
URI
Datum izdavanja:
30.6.2026.
Posjeta: 0 *