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Financial and Digital Inclusion: Determining Factors Influencing Use of Financial Products with Regression

Kenku, Similoluwa (2019) Financial and Digital Inclusion: Determining Factors Influencing Use of Financial Products with Regression. Masters thesis, Dublin, National College of Ireland.

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Abstract

This study aims to analyse what factors influence men and womens decision to use financial products and services. For this paper, we decide to select indicators
of financial inclusion based on the review of extensive literature and recommendations of researchers. The motivation behind the selection of this research is due
to the unchanging gender gap in access to finance. Since the release of first Findex Database in 2011, the gender gap has remained stagnant. Women are less included
than men and this gender gap is more concentrated in low-income economies as well as lower middle-income economies. The data used for this analysis is the Global
Findex Database prepared by the World Bank in conjunction with Gallup World Poll which contains over 100 indicators on peoples perspective and use of financial products and services. The data is disaggregated by gender and it measures how men and women use financial products and services. The methodology followed the KDD technique and we applied the Multivariate Linear Regression Model to the data. The findings from the data revealed certain similarities in the factors influencing men and womens decision to use financial products such as Savings and saving for farm and business. These are important factors men and women consider when they decide to use a bank account or a mobile banking service (mobile money). Keywords: Financial Inclusion, Mobile money, Accounts, Multiple linear regression

Item Type: Thesis (Masters)
Subjects: Q Science > QA Mathematics > Electronic computers. Computer science
T Technology > T Technology (General) > Information Technology > Electronic computers. Computer science

Q Science > QA Mathematics > Computer software
T Technology > T Technology (General) > Information Technology > Computer software

H Social Sciences > HG Finance > Financial Services
Divisions: School of Computing > Master of Science in FinTech
Depositing User: Dan English
Date Deposited: 02 Jun 2020 12:37
Last Modified: 02 Jun 2020 12:37
URI: http://trap.ncirl.ie/id/eprint/4223

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