Adel Nabil
ESCA - School of Management, Casablanca, Morocco.
Heliyon. 2024 Dec 4;10(24):e40951. doi: 10.1016/j.heliyon.2024.e40951. eCollection 2024 Dec 30.
Emerging countries face specific challenges in mobilizing the transformative potential of digital technology to achieve financial inclusion. While previous studies emphasize the role of digital infrastructure and technology adoption in financial inclusion, gaps remain in understanding how digital literacy and specific technologies, like blockchain, influence financial inclusion across diverse emerging regions. This study investigates the joint effect of digital literacy and blockchain adoption on financial inclusion in Africa, Asia, and Latin America from 2011 to 2021. Using a two-step system General Methods of Moments (GMM) model, we analyze data from 56 emerging countries to provide robust evidence on the impact of digital literacy and technology adoption on financial inclusion. Findings reveal that digital literacy enhances financial inclusion in Africa but unexpectedly hinders it in Asia, while new technology adoption consistently promotes inclusion in Asia and Latin America. Furthermore, internet penetration significantly boosts inclusion in Latin America, though it appears to reduce it in Asian contexts. Our results underscore the importance of region-specific digital strategies and highlight the need for targeted policy interventions to address regional disparities in financial inclusion.
新兴国家在调动数字技术的变革潜力以实现金融包容性方面面临特定挑战。虽然先前的研究强调数字基础设施和技术采用在金融包容性中的作用，但在理解数字素养和特定技术（如区块链）如何影响不同新兴地区的金融包容性方面仍存在差距。本研究调查了2011年至2021年期间数字素养和区块链采用对非洲、亚洲和拉丁美洲金融包容性的联合影响。我们使用两步系统广义矩估计（GMM）模型，分析了56个新兴国家的数据，以提供关于数字素养和技术采用对金融包容性影响的有力证据。研究结果表明，数字素养在非洲增强了金融包容性，但在亚洲却意外地起到了阻碍作用，而新技术采用在亚洲和拉丁美洲持续促进了金融包容性。此外，互联网普及率在拉丁美洲显著提高了金融包容性，尽管在亚洲背景下似乎降低了金融包容性。我们的结果强调了针对特定地区的数字战略的重要性，并突出了需要有针对性的政策干预措施来解决金融包容性方面的地区差异。
