数字转型在缩小西非经济和货币联盟普惠金融差距中的作用以及Covid-19效应

IF 1.7 4区经济学 Q3 DEVELOPMENT STUDIES

Journal of International Development Pub Date : 2025-03-21 DOI:10.1002/jid.3992

Koffi Sodokin, Joseph Kokouvi Djafon

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引用次数: 0

摘要

尽管取得了重大进展，但发展中国家在获得金融服务方面仍然存在差距。2019冠状病毒病大流行严重影响了数字金融的采用，特别是在西非经济和货币联盟国家。本研究利用世界银行全球金融包容性指数（2017年和2021年）数据，采用异方差二元选择和差中之差方法评估数字金融对普惠金融的影响，同时考虑到性别、年龄、收入、地理位置和疫情等因素。研究结果表明，虽然整体金融包容性有所下降，但数字金融的普及缓解了这一趋势，这表明系统互操作性的重要性。

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Role of Digital Transformation in Closing the Financial Inclusion Disparities in West African Economic and Monetary Union and the Covid-19 Effect

Despite significant advancements, disparities in access to financial services persist across developing nations. The Covid-19 pandemic has significantly influenced the adoption of digital finance, particularly in West African Economic and Monetary Union countries. Using World Bank Global Findex data (2017 and 2021), this study employs heteroscedastic binary choice and difference-in-differences methodologies to evaluate the impact of digital finance on financial inclusion, considering factors such as gender, age, income, location and the pandemic. The findings indicate that while overall financial inclusion experienced a decline, the increased adoption of digital finance mitigated this trend, suggesting the importance of system interoperability.

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来源期刊

Journal of International Development DEVELOPMENT STUDIES-

CiteScore

2.40

自引率

0.00%

发文量

109

期刊介绍： The Journal aims to publish the best research on international development issues in a form that is accessible to practitioners and policy-makers as well as to an academic audience. The main focus is on the social sciences - economics, politics, international relations, sociology and anthropology, as well as development studies - but we also welcome articles that blend the natural and social sciences in addressing the challenges for development. The Journal does not represent any particular school, analytical technique or methodological approach, but aims to publish high quality contributions to ideas, frameworks, policy and practice, including in transitional countries and underdeveloped areas of the Global North as well as the Global South.