Impacts of ICT and digital finance on poverty and income inequality: a sub-national study from India

IF 5.1 3区管理学 Q1 DEVELOPMENT STUDIES

Information Technology for Development Pub Date : 2023-01-05 DOI:10.1080/02681102.2022.2151556

Simontini Das, A. Chatterjee

引用次数: 5

Abstract

ABSTRACT The present paper explores both the direct and indirect impact of ICT diffusion through the channel of digital finance on two development indicators such as poverty and income inequality at the sub-national level in India. Ordered probit estimation confirms that ICT diffusion directly reduces the persistence of poverty in both urban and rural areas. The application of ICT in the banking sector in the form of digital finance has a positive role in rural-urban poverty reduction. ICT has no direct impact on income inequality, though financial inclusion has a positive influence on both rural and urban inequality. ICT diffusion in the banking sector dampens the positive impact of financial inclusion on urban inequality with no impact on rural inequality. Proposed policy prescription can be strengthening of ICT infrastructure with wider and uniform spread of digital finance among rural and urban population so that more people can take advantage of it.

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信通技术和数字金融对贫困和收入不平等的影响：来自印度的一项次国家研究

摘要本文探讨了通过数字金融渠道传播信息和通信技术对印度地方一级贫困和收入不平等等两个发展指标的直接和间接影响。有序概率估计证实，信息和通信技术的传播直接减少了城市和农村地区持续的贫困。信息和通信技术以数字金融的形式在银行部门的应用对农村和城市减贫具有积极作用。信息和通信技术对收入不平等没有直接影响，尽管金融包容性对农村和城市不平等都有积极影响。信息和通信技术在银行部门的传播抑制了金融包容性对城市不平等的积极影响，而对农村不平等没有影响。拟议的政策处方可以是加强信息和通信技术基础设施，在农村和城市人口中更广泛、统一地传播数字金融，让更多的人能够利用它。

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

Information Technology for Development Multiple-

CiteScore

11.30

自引率

16.70%

发文量

期刊介绍： Information Technology for Development , with an established record for publishing quality research and influencing practice, is the first journal to have explicitly addressed global information technology issues and opportunities. It publishes social and technical research on the effects of Information Technology (IT) on economic, social and human development. The objective of the Journal is to provide a forum for policy-makers, practitioners, and academics to discuss strategies and best practices, tools and techniques for ascertaining the effects of IT infrastructures in government, civil societies and the private sector, and theories and frameworks that explain the effects of IT on development. The concept of development relates to social, economic and human outcomes from the implementation of Information and Communication Technology (ICT) tools, technologies, and infrastructures. In addition to being a valuable publication in the field of information systems, Information Technology for Development is also cited in fields such as public administration, economics, and international development and business, and has a particularly large readership in international agencies connected to the Commonwealth Secretariat, United Nations, and World Bank.