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Perspectives on U. Competitive Provision of Digital Goods. The geographic flow of bank funding and access to credit: Branch networks, local synergies and competition. Understanding the Drivers of Remittances to Pakistan. New Economics Papers. This widespread adoption of mobile money has significantly broadened financial accessibility and reduced the proportion of the financially excluded population.
The transformation of the financial industry was further accelerated by the COVID pandemic with a surge in online payments and increased fintech activities. Digital finance has arisen as a solution to address the economic and non-economic constraints in the financial market, such as transaction costs, information asymmetry between financial institutions and customers, and uncertainty in outcomes of financial services.
Digital finance strengthens economic resilience of individuals and households by offering a broader spectrum of strategies for risk mitigation and risk sharing.
The access to finance of small and medium-sized enterprises is especially crucial in developing countries. Limited access to financial services poses significant challenges for SMEs, obstructing their ability to operate seamlessly, increase sales, and boost exports.
