The digital revolution in financial inclusion: international development in the fintech era

By Daniela Gabor, Sally Brooks. Material Cultures of Financialisation, 2017

669 citations recorded by the source corpus.

ABSTRACT This paper examines the growing importance of digital-based financial inclusion as a form of organising development interventions through networks of state institutions, international development organisations, philanthropic investment and fintech companies. The fintech–philanthropy–development complex generates digital ecosystems that map, expand and monetise digital footprints. Its ‘know thy (irrational) customer’ vision combines behavioural economics with predictive algorithms to accelerate access to, and monitor engagement with, finance. The digital revolution adds new layers to the material cultures of financial(ised) inclusion, offering the state new ways of expanding the inclusion of the ‘legible’, and global finance new forms of ‘profiling’ poor households into generators of financial assets.

Subfields: Accounting, Economics and Econometrics, Management Information Systems

View Paper: https://www.semanticscholar.org/paper/c4cc8ef08caa1f371531b8ddeb759a9f3714f0ca

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Citations in the corpus

‘From billions to trillions’ (2018, background): “The focus on infrastructure, land and digital financial technologies (Gabor and Brooks, 2017) is presented as an essential driver of growth, which will trickle down into poverty reduction.”
Digital financial inclusion and economic growth: provincial data analysis of China (2021, background): “In the past 5 to 10 years, relying on innovative technologies like big data and cloud computing, China’s digital economy (especially digital finance) has endured rapid development, such as Alipay and WeChat payment (Yin et al. 2019; Gabor and Brooks 2017).”
Towards an economic geography of FinTech (2020, background): “Instead of generating a list or table of different categories or applications of FinTech, we prefer the idea of a ‘FinTech Cube’, which comprises i) financial products and services, ii) technologies, and iii) key actors that intersect in various ways to provide technologically mediated or enabled fi”
Adoption Intention of Fintech Services for Bank Users: An Empirical Examination with an Extended Technology Acceptance Model (2019, background): “Even if someone studies the adoption problems, they focus on a speciﬁc Fintech service, such as mobile banking or internet banking service, but the existing research rarely pays attention to a more empirical extension of previous studies in TAM applied in Fintech from the demand side.”