Demand-side factors in financial inclusion

Study assess two demand-side barriers confronting the involuntarily financially excluded - financial literacy and self-efficacy. Employing a pre-intervention and post-intervention field experiment to measure the financial behaviour of individuals, the study monitored the use of an appropriately developed banking offering after obtaining consent from research participants. Participants were placed into four groups with three groups having a distinct intervention each and then a control group.

本项研究旨在评估面临自愿性财务排斥的个体所遭遇的两项需求侧障碍——即金融素养与自我效能感。通过实施干预前后的现场实验，以衡量个体的财务行为，研究团队监测了在获得研究参与者同意后，对一款经过适当开发的银行服务的使用情况。参与者被分为四组，其中三组分别接受了不同的干预措施，并设立了一组对照组。