References
- Adeleke, R. & Alabede, O. (2022). Understanding the patterns and correlates of financial inclusion in Nigeria. GeoJournal, 87(3), 2405–2422. https://doi.org/10.1007/s10708-021-10378-6
- Allen, F., Demirgüç -Kunt, A., Klapper, L. & Martinez Peria, M. S. (2016). The foundations of financial inclusion: Understanding ownership and use of formal accounts. Journal of Financial Intermediation, 27, 1–30. https://doi.org/10.1016/j.jfi.2015.12.003
- Amari, M. & Anis, J. (2021). Exploring the impact of socio-demographic characteristics on financial inclusion: empirical evidence from Tunisia. International Journal of Social Economics, 48(9), 1331–1346. https://doi.org/10.1108/IJSE-08-2020-0527
- Aziz, A. & Naima, U. (2021). Rethinking digital financial inclusion: Evidence from Bangladesh. Technology in Society, 64. https://doi.org/10.1016/j.techsoc.2020.101509
- Bozkurt, I. & Karakuş, R. (2020). Provincial Financial Inclusion in Turkey: Measurement and Its Spatial Determinants. Ege Akademik Bakis (Ege Academic Review), 20(2), 101–124. https://doi.org/10.21121/eab.729532
- Cabeza-García, L., Del Brio, E. B. & Oscanoa-Victorio, M. L. (2019). Female financial inclusion and its impacts on inclusive economic development. Women’s Studies International Forum, 77. https://doi.org/10.1016/j.wsif.2019.102300
- Cassimon, S., Maravalle, A., Pandiella, A. G. & Turroques, L. (2022). Determinants of and barriers to people’s financial inclusion in Mexico. OECD Economics Department Working Papers, No. 1728, OECD Publishing, Paris. https://www.oecd-ilibrary.org/docserver/73e9341b-en.pdf?expires=1721048334&id=id&accname=guest&checksum=3CA29C58C5FD16E01EF3FA202FDA1C70
- Chinoda, T. & Mashamba, T. (2021). Financial inclusion, bank competition and economic growth in Africa. Journal of Economic and Financial Sciences, 14(1). https://doi.org/10.4102/jef.v14i1.649
- Claessens, S. (2006). Access to financial services: A review of the issues and public policy objectives. World Bank Research Observer. https://doi.org/10.1093/wbro/lkl004
- Coss, S. (2015). Ekonomika a Informatika. Vedecký časopis FHI EU v Bratislave a SSHI, 2015 (2), Ročník XIII, ISSN 1336-3514, 25-34. http://www.fhi.sk/files/ekonomika_a_inform/EaI_2_2015.pdf
- Demirgüç-Kunt, A. & Klapper, L. (2013). Measuring financial inclusion: Explaining variation in use of financial services across and within countries. Brookings Papers on Economic Activity, (SPRING 2013), 279–321. https://doi.org/10.1353/eca.2013.0002
- Demirguc-Kunt, A., Leora, K., Dorothe, S. & Oudheusden, P.V. (2015). The Global Findex Database 2014: Measuring Financial Inclusion around the World. Policy Research Working Paper 7255, World Bank, Washington, DC. https://openknowledge.worldbank.org/handle/10986/21865
- Demirgüç-Kunt, A., Leora, K., Dorothe, S., Saniya, A. & Jake, H. (2018). The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington, DC: World Bank. https://openknowledge.worldbank.org/handle/10986/29510
- Demirgüç-Kunt, A., Leora K., Dorothe, S. & Saniya A. (2022). The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. Washington, DC: World Bank. https://openknowledge.worldbank.org/handle/10986/37578
- Erlando, A., Riyanto, F. D. & Masakazu, S. (2020). Financial inclusion, economic growth, and poverty alleviation: evidence from eastern Indonesia. Heliyon, 6(10). https://doi.org/10.1016/j.heliyon.2020.e05235
- Eshun, S. F. & Kočenda, E. (2023). Determinants of financial inclusion in Africa and OECD countries. IES Working Paper 18/2023. https://www.econstor.eu/bitstream/10419/286347/1/wp-2023-18.pdf
- Fungáčová, Z. & Weill, L. (2014). A view on financial inclusion in Asian countries. BOFIT Online, (8), 3-20. https://www.econstor.eu/bitstream/10419/251632/1/bpb1408.pdf
- Fungáčová, Z. & Weill, L. (2015). Understanding financial inclusion in China. China Economic Review, 34, 196–206. https://doi.org/10.1016/j.chieco.2014.12.004
- Global Findex Database (2023). 2021 Global Financial Inclusion Databank. https://www.worldbank.org/en/publication/globalfindex/Data
- Hasan, M. M., Yajuan, L. & Khan, S. (2022). Promoting China’s Inclusive Finance Through Digital Financial Service. Global Business Review, 23(4), 984–1006. https://doi.org/10.1177/0972150919895348
- Jovović, M., Femić-Radosavović, B., & Lipovina-Božović, M. (2017). Comparative analysis of results of online and offline customer satisfaction & loyalty surveys in banking services in Montenegro. Journal of Central Banking Theory and Practice, 6(2), 65-76. https://doi.org/10.1515/jcbtp-2017-0013
- Jovović, M., Mišnić, N., Pejović, B., & Mijušković, M. (2023). Customer satisfaction and switching intentions of banking services end-users in Montenegro. Journal of Central Banking Theory and Practice, 12(1), 45-56. https://doi.org/10.2478/jcbtp-2023-0003
- Leyshon, A. & Thrift, N. (1995). Geographies of Financial Exclusion: Financial Abandonment in Britain and the United States. Transactions of the Institute of British Geographers, 20(3), 312-341. https://doi.org/10.2307/622654
- Lyons, A. C., Grable, J. E. & Joo, S. H. (2018). A cross-country analysis of population aging and financial security. The Journal of the Economics of Ageing, 12, 96-117. https://doi.org/10.1016/j.jeoa.2018.03.001
- Martinez, L. B., Scherger, V., Guercio, M. B. & Orazi, S. (2020). Evolution of financial inclusion in Latin America: Management area: Business Economics. Academia Revista Latinoamericana de Administración, 33(2), 261-276. https://doi.org/10.1108/ARLA-12-2018-0287
- Martins, C., Oliveira, T. & Popovič, A. (2014). Understanding the internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application. International Journal of Information Management, 34(1), 1–13. https://doi.org/10.1016/j.ijinfomgt.2013.06.002
- Mossie, W. A. (2023). Financial inclusion drivers, motivations, and barriers: Evidence from Ethiopia. Cogent Business & Management, 10(1). https://doi.org/10.1080/23311975.2023.2167291
- Nagpal, A., Jain, M. & Jain, A. (2020). Determining the role of digital technology, governance and institutions in advancing financial inclusion in BRICS nations using probit regression analysis. Journal of Social and Economic Development, 22(2), 443–459. https://doi.org/10.1007/s40847-020-00112-2
- Ozili, P. K. (2023). Financial Inclusion in Latin America and the Caribbean during the COVID pandemic. Social and Economic Studies Journal, Forthcoming, Central Bank of Nigeria. http://dx.doi.org/10.2139/ssrn.4349012
- Polloni-Silva, E., da Costa, N., Moralles, H. F. & Sacomano Neto, M. (2021). Does Financial Inclusion Diminish Poverty and Inequality? A Panel Data Analysis for Latin American Countries. Social Indicators Research, 158(3), 889-925. https://doi.org/10.1007/s11205-021-02730-7
- Roa, M. J. (2015). Financial Inclusion in Latin America and the Caribbean: Access, Usage and Quality. Documentos de Investigación - Research Papers 19, CEMLA, pp 91-128. https://ideas.repec.org/p/cml/docinv/19.html
- Sapovadia, V. (2018). Financial Inclusion, Digital Currency, and Mobile Technology. Handbook of Blockchain, Digital Finance, and Inclusion, Volume 2, 361–385. https://doi.org/10.1016/B978-0-12-812282-2.00014-0
- Sinclair, S. (2001). Financial exclusion: An Introductory Survey. CRSIS, Edinburgh College of Art, Heriot Watt University, 1–130. https://www.academia.edu/7086629/Financial_Exclusion_An_Introductory_Survey
- Vučinić, M., & Luburić, R. (2022). Fintech, risk-based thinking and cyber risk. Journal of Central Banking Theory and Practice, 11(2), 27-53. https://doi.org/10.2478/jcbtp-2022-0012
- Wang, X. & Guan, J. (2017). Financial inclusion: measurement, spatial effects and influencing factors, Applied Economics, 49(18), pp. 1751-1762. https://doi.org/10.1080/00036846.2016.1226488
- Younas, Z. I., Qureshi, A. & Al-Faryan, M. A. S. (2022). Financial inclusion, the shadow economy and economic growth in developing economies. Structural Change and Economic Dynamics, 62, 613–621. https://doi.org/10.1016/j.strueco.2022.03.011
- Zins, A. & Weill, L. (2016). The determinants of financial inclusion in Africa. Review of Development Finance, 6(1), 46–57. https://doi.org/10.1016/j.rdf.2016.05.001