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June 28, 2026Journal of Financial Economic Policy

Distributive effects of digital risks and digital infrastructure on financial inclusion in Nigeria: insights from quantile regression

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Authors

NANurudeen AbuMSMusa Abdullahi SakankoNHNazatul Faizah Haron

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Overview

Randomized trial assesses digital risks and infrastructure impacts on financial inclusion, suggesting improvements are needed.

Key Points

  • This study explores the effects of digital risks and infrastructure on financial inclusion in Nigeria, from 2000 to 2024.
  • Utilized Simultaneous Quantile Regression (SQR) and Method of Moments Quantile Regression (MMQR) to analyze data.
  • Adopted Principal Component Analysis (PCA) to construct composite indexes for digital infrastructure, digital risks, and financial inclusion.
  • Focused on varying impacts across different levels of financial inclusion.
  • Digital infrastructure positively influences financial inclusion at the 50th quantile, suggesting moderate inclusivity benefits.
  • Digital risks negatively impact financial inclusion significantly at the 25th quantile, indicating harm to less developed financial segments.
  • Results emphasize the need to minimize digital risks and enhance digital infrastructure for improved financial access.

Cite This Study

Abu et al. (2026) studied this question.

synapsesocial.com/papers/6a40b99561bb0a67205c5d21https://doi.org/10.1108/jfep-08-2025-0337
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