Financial Inclusion and Economic Resilience: The Role of Digital Payments and Socio-Demographic Factors in Global Perspectives

Hakan Kaya

doi:10.53443/anadoluibfd.1679056

June 30, 2026Anadolu Üniversitesi İktisadi ve İdari Bilimler Fakültesi DergisiOpen Access

Financial Inclusion and Economic Resilience: The Role of Digital Payments and Socio-Demographic Factors in Global Perspectives

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Key Points

This research aims to explore the relationship between financial inclusion, digital payments, and economic resilience across different nations. It identifies key socio-demographic factors influencing these aspects.
Analyzed data from the Global Findex 2021 involving 143,420 adults from 139 countries.
Used logistic regression, t-tests, and comparative analyses to evaluate factors affecting bank account ownership and digital payment adoption.
Assessed household preparedness for economic shocks in relation to financial literacy and access.
Education (β=0.4565), income, and digital access significantly impact bank account ownership.
Financial literacy emerged as the strongest differentiator in digital payment usage.
There is a statistically significant difference in digital payment adoption between high- and low-income countries (T=8.3047, p<0.01).

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Implication

Evaluates socio-demographic factors influencing bank account ownership and digital payment usage in various economic contexts, highlighting implications for inclusive growth.

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Hakan Kaya (2026) studied this question.

synapsesocial.com/papers/6a46015f9ed13430313112ae https://doi.org/10.53443/anadoluibfd.1679056

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Financial Inclusion and Economic Resilience: The Role of Digital Payments and Socio-Demographic Factors in Global Perspectives

Key Points

No abstract yet

Implication

Discussion

Cite This Study

Financial Inclusion and Economic Resilience: The Role of Digital Payments and Socio-Demographic Factors in Global Perspectives

Key Points

No abstract yet

Implication

Discussion

Cite This Study

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