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PhD Dissertation

Digital Financial Inclusion in Developing Economies

Field of Study: Development Economics and Finance

Citation Style

APA

Expected Length

120-200 pages

Page Count

152 pages

Status

✓ Verified & Live

Research Topic & Context

Digital Financial Inclusion in Developing Economies: Evidence from Mobile Money and Digital Banking

Abstract & Outline Scope

Review the evidence on how mobile money, digital banks and e-wallets have changed access to and use of formal financial services among unbanked and underbanked households and small businesses in developing economies since 2010. Cover adoption drivers, effects on savings, credit, payments and household welfare, gender and rural gaps, regulation and digital bank licensing, and risks such as over-indebtedness, fraud and exclusion. Compare regions, including Sub-Saharan Africa, South Asia and Southeast Asia. Use peer-reviewed studies.

⚠️ Academic Integrity & Usage Note This document is a fully generated first-draft preview produced by CiteLyra. It is intended to show the formatting, reference verification, and outline structure we compile. All users must review, personalize, and verify the literature links before submitting drafts.
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About this draft

This 152-page PhD dissertation reviews what the research since 2010 shows about mobile money, digital banks and e-wallets as routes into formal finance for unbanked households and small firms in developing economies. It covers why people adopt, what changes for savings, credit, payments and household welfare, the gender and rural gaps that remain, how regulators have responded, and the risks, from over-indebtedness to fraud. It compares Sub-Saharan Africa, South Asia and Southeast Asia, and draws on field experiments and panel studies such as the Kenyan M-PESA evidence.

The 67 references were found through Crossref and OpenAlex, and each one was checked against the record its DOI resolves to. Every cited sentence and table row was then checked against the abstract of the source it cites; sentences a source did not support were corrected, and table figures no source contained were removed, before the PDF was produced.

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