| Abstrakt: |
This study explores the impact of Information and Communication Technology (ICT) on financial inclusion across 74 countries from 2011 to 2021. An ICT index derived using Principal Component Analysis (PCA) with indicators including internet penetration, fixed broadband subscriptions, and mobile cellular subscriptions, serves as the basis for analysis. Panel regression methods, including fixed effects and Panel Instrumental Variable (IV) regression, are employed. We measure financial inclusion through bank account ownership and access to borrowings from the Global Findex Database. The study reveals a statistically significant and positive influence of the ICT index on financial inclusion. Additionally, when categorizing nations into high-income and middle-income groups, ICT's role in enhancing financial inclusion, particularly in middle-income countries, becomes evident. This underscores the critical importance of robust ICT infrastructure, urging policymakers, especially in middle-income countries, to prioritize internet accessibility for fostering greater financial inclusion. [ABSTRACT FROM AUTHOR] |
