Digital Financial Inclusion: Socioeconomic and Demographic Factors of Access and Usage in Senegal

IF 3.1 2区 经济学 Q1 DEVELOPMENT STUDIES
Khadim Ba, Seydi Ababacar Dieng
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引用次数: 0

Abstract

Digital financial services (DFSs) have emerged as a pivotal instrument for enhancing access to essential financial services. In Senegal, despite significant progress, persistent inequalities continue to limit access to DFS. This study aims to contribute to the understanding of the socioeconomic and demographic determinants of digital financial inclusion. Utilizing the Global Findex data from the World Bank's 2021 edition for Senegal and a Probit model, the study's findings indicate that socioeconomic and demographic factors significantly influence access to and utilization of DFS. Specifically, women are less likely to access and use DFS. Furthermore, individuals aged 25–50 demonstrate a higher propensity for possessing mobile money accounts and debit cards, as well as a greater inclination to utilize DFS compared to young adults aged 15–24. Additionally, access to and utilization of digital DFS are influenced by place of residence (urban or rural), educational attainment, and income level. The findings of this study suggest that promoting financial education, adapting financial services to the needs of target populations, establishing a favorable regulatory framework, and developing digital infrastructures are essential mechanisms for enhancing access to and use of DFS.

数字金融普惠:塞内加尔获取和使用的社会经济和人口因素
数字金融服务(dfs)已成为促进获得基本金融服务的关键工具。在塞内加尔,尽管取得了重大进展,但持续存在的不平等现象继续限制获得发展支助。本研究旨在帮助理解数字普惠金融的社会经济和人口决定因素。利用世界银行2021年版塞内加尔全球Findex数据和Probit模型,研究结果表明,社会经济和人口因素对DFS的获取和利用产生了重大影响。具体而言,妇女获取和使用DFS的可能性较小。此外,与15-24岁的年轻人相比,25-50岁的人更倾向于拥有移动货币账户和借记卡,也更倾向于使用DFS。此外,数字DFS的获取和利用受到居住地(城市或农村)、教育程度和收入水平的影响。本研究结果表明,促进金融教育、使金融服务适应目标人群的需求、建立有利的监管框架和发展数字基础设施是促进DFS获取和使用的重要机制。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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来源期刊
CiteScore
5.60
自引率
24.10%
发文量
60
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