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Journals / Anadolu Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi / 2026 / Volume: 27 Issue: 2

FINANCIAL INCLUSION AND ECONOMIC RESILIENCE: THE ROLE OF DIGITAL PAYMENTS AND SOCIO-DEMOGRAPHIC FACTORS IN GLOBAL PERSPECTIVES

Hakan Kaya(İstanbul Okan Üniversitesi)0000-0002-0812-4839
Pages
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Publication Date
2026-06-30
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AI Summary & Key Takeaways

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⚡ TL;DR(Too Long; Didn't Read)

The findings indicate that the level of education (β=0.4565), income, and digital access are the major contributors to bank account ownership, however, financial literacy is the strongest differentiator.; There is a statistically significant difference in the usage of digital payment between high- and low-income countries (T=8.3047, p<0.001); Having a bank account alone will not lead to financial resilience (β=, 0.0414); Certain communities in Africa have shown a higher level of preparedness for shocks due to the presence of informal solidarity networks.

📌 3 Key Takeaways

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Objective & Hypothesis:The primary research database in the paper is the Global Findex 2021 which contains the data of 143,420 adults from 139 countries.
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Key Findings & Data:Moreover, the paper focuses on: (1) the identification of socio-demographic factors that determine bank account ownership, (2) understanding the differences between countries in digital payment method adoption, and (3) gauging the preparedness of households to economic shocks.
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Conclusion & Impact:The findings indicate that the level of education (β=0.4565), income, and digital access are the major contributors to bank account ownership, however, financial literacy is the strongest differentiator.; There is a statistically significant difference in the usage of digital payment between high- and low-income countries (T=8.3047, p<0.001); Having a bank account alone will not lead to financial resilience (β=, 0.0414); Certain communities in Africa have shown a higher level of preparedness for shocks due to the presence of informal solidarity networks.
🔬Design:Research Article
📍Scope:2021 Verileri
⚙️Variables:Financial Inclusion · Digital Payments · Logistic Regression

Abstract

The primary research database in the paper is the Global Findex 2021 which contains the data of 143,420 adults from 139 countries. The paper mainly focuses on the examination of the interaction between financial inclusion, digital payments, and economic resilience. Moreover, the paper focuses on: (1) the identification of socio-demographic factors that determine bank account ownership, (2) understanding the differences between countries in digital payment method adoption, and (3) gauging the preparedness of households to economic shocks. Logistic regression, t-tests, and comparative analyses have been used in this study, which aims to offer a multi-dimensional perspective on how finance and technology can be leveraged for inclusive growth, especially in the post-COVID-19 scenario. The findings indicate that the level of education (β=0.4565), income, and digital access are the major contributors to bank account ownership, however, financial literacy is the strongest differentiator.; There is a statistically significant difference in the usage of digital payment between high- and low-income countries (T=8.3047, p<0.001); Having a bank account alone will not lead to financial resilience (β=, 0.0414); Certain communities in Africa have shown a higher level of preparedness for shocks due to the presence of informal solidarity networks. Moreover, the findings of the research point to the immense transformational power of financial inclusion in not only reducing poverty and gender disparities but also in achieving the overall stability of a country's economy. Thus, the contribution of the study to the literature will be that the findings from the comprehensive data set and analytical approach provide evidence-based insights for policymakers, financial institutions, and development practitioners.

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Cite This Article

Kaya, H. (2026). FINANCIAL INCLUSION AND ECONOMIC RESILIENCE: THE ROLE OF DIGITAL PAYMENTS AND SOCIO-DEMOGRAPHIC FACTORS IN GLOBAL PERSPECTIVES. Anadolu Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, Volume: 27 Issue: 2. https://doi.org/10.53443/anadoluibfd.1679056

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