The Tourism College of Changchun University, Changchun City, Jilin Province, China.
Department of Computer Science, National Textile University, Faisalabad, Pakistan.
PLoS One. 2024 May 2;19(5):e0295183. doi: 10.1371/journal.pone.0295183. eCollection 2024.
Given the importance of ICT diffusion in the development of the financial sector, this analysis is an effort to analyze the transmission channels between the two in high-income and middle and low-income economies over 2001-2019. We have used three variables, including the ICT index, individuals using the internet, and mobile subscribers, to represent ICT and three indices, including the financial development index, financial institution index, and financial market index, to make our results reliable and robust. We utilized a GMM method for conducting the empirical analysis. Generally, our results imply that ICT diffusion positively impacts financial development in high-income economies and negatively impacts middle and low-income economies. Our findings suggest that middle- and low-income-economy policymakers should follow the footprint of the high-income economies and increase the role of ICT in the financial sector for its development.
鉴于信息通信技术（ICT）扩散对金融部门发展的重要性，本分析旨在分析 2001 年至 2019 年间高收入和中低收入经济体中两者之间的传递渠道。我们使用了三个变量，包括信息通信技术指数、使用互联网的个人和移动用户，来代表信息通信技术，以及三个指数，包括金融发展指数、金融机构指数和金融市场指数，以确保结果的可靠性和稳健性。我们利用 GMM 方法进行实证分析。总的来说，我们的结果表明，信息通信技术扩散对高收入经济体的金融发展有积极影响，而对中低收入经济体则有负面影响。我们的研究结果表明，中低收入经济体的政策制定者应该效仿高收入经济体的足迹，增加信息通信技术在金融部门的作用，以促进其发展。
