The welfare impact of financial inclusion: a research agenda

IF 1.1 Q3 BUSINESS, FINANCE

Journal of Accounting Literature Pub Date : 2024-05-13 DOI:10.1108/jal-10-2023-0190

Yun Shen, Francis K. Agyekum, Krishna Reddy, Damien Wallace

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引用次数: 0

Abstract

PurposeThis paper provides a systematic review of literature pertaining to the welfare impact of financial inclusion. We identify the 50 most influential publications in the field that have evolved into three distinct categories, each of which we critically review to identify the main contributions of this research area.Design/methodology/approachBy conducting a state-of-the-art literature review, this paper identifies the most influential papers in the research fields on the welfare impact of financial inclusion. One caveat is that as newer publications generally have fewer citations, reviewing prior work can result in a misleading account of emerging trends and research directions. Manual assessment of publications after 2018 facilitates a discussion of important emerging research trends and their directions.FindingsThe three key research streams are identified as financial services and financial accessibility, financial capability, and financial literacy and household welfare. By assessing publications from 2018 to 2023, we also document four key emerging research trends: Fintech and digital financial inclusion, sustainability and climate change, growth, poverty, income inequality, financial stability, and Entrepreneurship. Drawing on these emerging trends, we highlight the opportunities for future research.Research limitations/implicationsKeyword searches have limitations as some papers might be overlooked if they do not match the specific search criteria, despite their relation and significance to the overall topic of the welfare impact of financial inclusion. To address this issue, we have expanded this review by incorporating more literature from other databases, such as the Scopus database which may alleviate this issue.Practical implicationsThe three key research streams contribute to a comprehensive understanding of the welfare impact of financial inclusion. The emerging trends integrate existing knowledge and leave the chance for innovative research to expand the research frontier.Originality/valueThis paper fulfils the systematic literature review streams in the welfare impact of financial inclusion and provides fruitful opportunities for future research.

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金融普惠对福利的影响：研究议程

目的本文系统回顾了与普惠金融的福利影响相关的文献。我们确定了该领域最具影响力的 50 篇出版物，这些出版物分为三个不同的类别，我们对每个类别都进行了严格的审查，以确定该研究领域的主要贡献。设计/方法/途径通过进行最新文献审查，本文确定了普惠金融福利影响研究领域最具影响力的论文。需要注意的一点是，由于较新的出版物通常被引用的次数较少，因此回顾以前的工作可能会对新兴趋势和研究方向产生误导。对 2018 年之后的出版物进行人工评估有助于讨论重要的新兴研究趋势及其方向。研究结果确定了三个关键研究流，即金融服务和金融可得性、金融能力以及金融知识和家庭福利。通过评估 2018 年至 2023 年的出版物，我们还记录了四个重要的新兴研究趋势：金融科技与数字金融包容性、可持续性与气候变化、增长、贫困、收入不平等、金融稳定性以及创业精神。研究局限性/意义关键词搜索有其局限性，因为有些论文尽管与普惠金融的福利影响这一总体主题相关且具有重要意义，但如果不符合特定的搜索标准，就可能会被忽略。为解决这一问题，我们扩大了本综述的范围，纳入了更多来自其他数据库（如 Scopus 数据库）的文献，这可能会缓解这一问题。新兴趋势整合了现有知识，为创新研究提供了机会，拓展了研究前沿。原创性/价值本文实现了普惠金融福利影响方面的系统文献综述流，为未来研究提供了富有成效的机会。

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来源期刊

Journal of Accounting Literature BUSINESS, FINANCE-

CiteScore

6.50

自引率

0.00%

发文量

期刊介绍： The objective of the Journal is to publish papers that make a fundamental and substantial contribution to the understanding of accounting phenomena. To this end, the Journal intends to publish papers that (1) synthesize an area of research in a concise and rigorous manner to assist academics and others to gain knowledge and appreciation of diverse research areas or (2) present high quality, multi-method, original research on a broad range of topics relevant to accounting, auditing and taxation. Topical coverage is broad and inclusive covering virtually all aspects of accounting. Consistent with the historical mission of the Journal, it is expected that the lead article of each issue will be a synthesis article on an important research topic. Other manuscripts to be included in a given issue will be a mix of synthesis and original research papers. In addition to traditional research topics and methods, we actively solicit manuscripts of the including, but not limited to, the following: • meta-analyses • field studies • critiques of papers published in other journals • emerging developments in accounting theory • commentaries on current issues • innovative experimental research with strong grounding in cognitive, social or anthropological sciences • creative archival analyses using non-standard methodologies or data sources with strong grounding in various social sciences • book reviews • "idea" papers that don''t fit into other established categories.