References
- Acharya, V. V., & Sundararajan, A. (2020). Fintech, financial inclusion, and consumer protection. Journal of Financial Intermediaries, 78, Article 101368
- Acquisti, A., Brandimarte, L., & Loewenstein, G. (2015). Privacy and human behavior in the age of information. Science, 347(6221), 509–514. https://doi.org/10.1126/science.aaa1465
- Agarwal, S., & Bhutta, N. (2023). The impact of digital banks on financial inclusion and well-being. Journal of Banking & Finance, 141, Article 106219.
- Akerlof, G., & Shiller, R. J. (2003). Phishing for fools: How lucky investors make money and why you don't. Princeton University Press.
- Akhtar, R., & Franco, D. (2020). Fintech and financial inclusion: Evidence from emerging economies. Journal of Banking & Finance, 114, Article 105840.
- Allen, F., Carletti, E., & Marquez, R. (2019). Credit market competition and the gender gap in labor force participation: Evidence from local labor markets. Journal of Finance, 74(5), 2629–2676. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=813066
- Allen, J., & Lepenies, B. (2017). Inequality and the internet: The digital divide in the United States. Journal of Economic Perspectives, 31(3), 7–18.
- Altman, M., & Tenev, S. (2017). Fintech for small businesses: A review of the literature and an agenda for future research. Journal of Small Business Management, 55(5), 1354–1378.
- Arner, D. W., Barberis, J., & Buckley, R. P. (2016). The evolution of Fintech: A new post-crisis paradigm? Georgetown Journal of International Law, 47, 1271–1319. https://doi.org/10.2139/ssrn.2676553
- Bhattacharya, D., & Chandra, H. (2022). The impact of Paytm on financial inclusion in India. Journal of Development Economics, 156, Article 102737.
- Bhutta, N., & Skiba, A. R. (2022a). The impact of digital banking on financial inclusion and well-being: A cross-country analysis. Journal of Financial Economics, 144(1), Article 105243.
- Bhutta, N., & Skiba, A. R. (2022b). The impact of financial education on credit scores and borrowing behavior. Journal of Economic Behavior & Organization, 194, 68–87.
- Bordo, M. D., & Fazio, G. (2013). The future of international payments: A new paradigm? Journal of Economic Perspectives, 27(3), 65–82.
- Brocke, J. V., Simons, A., Riemer, K., Niehaves, B., Plattfaut, R., & Cleven, A. (2015). Standing on the shoulders of giants: Challenges and recommendations of literature search in information systems research. Communications of the Association for Information Systems, 37(9), 205–224. https://doi.org/10.17705/1CAIS.03709
- Brunnermeier, M. K., & Sanfilippo, A. (2018). FinTech and financial stability. Journal of Economic Perspectives, 32(3), 115–142.
- Brynjolfsson, E., & Peppas, N. (2016). The rise of the sharing economy: Assessing the future impact of this transformation. Journal of Economic Perspectives, 30(3), 169–192.
- Cecchetti, S. G. (2017). FinTech and the future of finance: A new operating system for the financial sector? Journal of Economic Perspectives, 31(3), 107–128.
- Chen, Y., & Yang, Z. (2020). The impact of financial technology on financial inclusion and economic growth: A theoretical analysis and empirical evidence from China. Journal of International Business and Economics, 23(1), 1–23.
- Chen, Z., & Wu, B. (2023). The role of Fintech in bridging the financial divide: A literature review. International Review of Applied Economics, 37(1), 1–21.
- Demirgüç-Kunt, A., & Klapper, L. (2018). Digital financial inclusion: Challenges and opportunities. In World Bank Research Observer, 33(1), 1–26.
- Demirgüç-Kunt, A., Klapper, L., & Singer, S. (2015). Financial inclusion: Access and usage of formal and informal financial services. World Bank Publications.
- Demirguc-Kunt, A., Klapper, L., Singer, D., & Van Oudheusden, S. (2022). The global Findex database 2021: Financial inclusion, digital payments, and resilience in the age of COVID-19. World Bank Publications. https://www.worldbank.org/en/publication/globalfindex
- Dupas, P., Goldberg, J., Kremer, M., & Venkatesh, B. (2015). The impact of microfinance on education: Evidence from a randomized trial in Kenya. American Economic Journal: Applied Economics, 7(1), 88–137.
- Egan, J. R., & Bhargava, R. (2018). Financial technology: A catalyst for financial inclusion? Journal of Banking & Finance, 94, 338–351.
- Financial Stability Board. (2021). FinTech and regulatory landscape: Risks and implications for financial stability. Bank for International Settlements.
- G20 Insights. (2019). Financial regulation for innovative banking. https://www.g20-insights.org/policy_briefs/financial-regulation-innovative-banking/
- Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2022). The Fintech revolution: What it is and why it matters. MIT Press.
- Jack, W., & Suri, T. (2018). The long-run poverty and gender impacts of mobile money. Science, 354(6317), 1288–1292. https://doi.org/10.1126/science.aah5309
- Kruse, C. S., Goswamy, R., Raval, Y., & Marawi, S. (2016). Challenges and opportunities of big data in health care: A systematic review. JMIR Medical Informatics, 4(4), Article e38. https://doi.org/10.2196/medinform.5359
- Li, T., & Yang, Y. (2023). The impact of buy now, pay later on consumer spending and creditworthiness. Journal of Financial Economics, 147(1), Article 105347.
- Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
- Melzer, A. (2021). Financial education and financial well-being: A systematic review of the literature. Journal of Economic Psychology, 86, Article 102368.
- Moher, D., Liberati, A., Tetzlaff, J., Altman, D.G., & Group, T.P. (2009). Preferred reporting items for systematic reviews and meta-analyses: The PRISMA statement. PLoS Medicine, 6(7), 4419–4424. https://doi.org/10.1371/journal.pmed.1000097
- Musila, J. M., & Otieno, F. O. (2018). M-Pesa and financial inclusion in Kenya: A review of empirical literature. International Journal of Economics and Finance, 10(10), Article 11.
- Nilsen, S. P., & Viswanathan, S. (2023). The rise of buy now, pay later and its implications for consumer credit. The Brookings Institution.
- Niu, L., & Zhang, X. (2020). The impact of Alipay on financial inclusion in China: A difference-in-differences approach. Journal of Financial Economics, 136(3), 807–824.
- Owolabi, S. A., & Awosika, A. O. (2021). The impact of Branch mobile banking on financial inclusion in Nigeria. Journal of African Business, 22(1), 22–40.
- Robo-Advisor: The Next Big Thing in Bundle Checking? (2017). Oliver Wyman. https://www.oliverwyman.com/content/dam/oliver-wyman/v2/publications/2017/apr/Oliver_Wyman_Robo_Advisor_Idea_in_Brief.pdf
- Sarma, D., & Pais, J. (2018). FinTech and financial inclusion: Evidence from emerging economies. Journal of Financial Inclusion, 10(3), 143–152.
- Stiglitz, J. E. (2013). The price of inequality: How today's rigged economy is hurting the poor and the middle class. W. W. Norton & Company.
- World Bank. (2022). Fintech and financial inclusion: How technology is helping to level the playing field. World Bank Publications.
Language: English
Page range: 206 - 219
Submitted on: Nov 2, 2023
Accepted on: Nov 16, 2023
Published online: Nov 27, 2023
Published in print: Jan 1, 2023
Published by: Riga Technical University
In partnership with: Paradigm Publishing Services
Publication frequency: 1 issue per year
Keywords:
Related subjects:
© 2023 Muhammed Miah, published by Riga Technical University
This work is licensed under the Creative Commons Attribution 4.0 License.