How Technology, Gender annd Education Affected Financial Inclusions

Astha Amalia Dyah Sayekti, Taofik Hidajat


This paper highlights the role of technology, gender and education factors in financial inclusion. A sample of 995 people was taken from the Global Findex Database, World Bank. Using logistic regression, this research concluded that technology and education had a positive effect on financial inclusion. The higher the use of technology and education level, the more likely the respondent has an account at a financial institution. However, gender does not affect financial inclusion. Men and women have the same probability in financial inclusion.


financial inclusion, gender, education technology

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