Policy level response to financial exclusion in developed economies: lessons for developing countries

By E. Kempson, A. Atkinson, O. Pilley. 2004

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Index of Financial Inclusion (2008, background): “Usage (dimension 3): This dimension is motivated by the notion of “underbanked” or “marginally banked” people, as observed by Kempson et al (2004).”
Measuring financial inclusion: a composite FI index for the developing countries (2020, background): “However, Sarma (2008, 2016) cited the opinion of Kempson et al. (2004) that in some countries, the proportion of people with bank accounts is high, but using very few services.”
The Basic Analytics of Access to Financial Services (2006, background): “This is very different from Universal Service Obligations, as legislated in several European countries (Kempson, Atkinson, and Pilley, 2004), which require banks to open a bank account for anyone.”
Mobile Money and Financial Inclusion in Sub-Saharan Africa: the Moderating Role of Social Networks (2018, methodology): “…of financial inclusion was measured using the dimensions of access, quality, usage, and welfare, which were adopted from previous scholars such Čihák, DemirgüçKunt, Erik, and Levine (2012); Claessens (2006); Kempson (2006); Beck, Demirguc-Kunt., andMartinez Peria (2008); ACCION (2011); AFI (2011).”
A Theoretical and Quantitative Analysis of Financial Inclusion and Economic Growth (2013, unknown): “Sources for this section are ADB (2007), Kempson et al. (2004), RBI (2008) ‘Financial Inclusion’ and World Bank (2008b).”