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Cryptocurrencies and CBDCs have the potential to enhance financial inclusion. However, the lack of quantitative data makes it challenging to evaluate their impact. To assess their financial inclusion capacity, we need to consider multiple layers and adapt strategies to local needs and policies. ....
Increasing fi nancial frauds and scams expose the vulnerabilities of the population subgroup which is included in the fi nancial system. An approach of considering educated and economically better-off sections not at the forefront while designing policies and programmes aimed at strengthening fi nancial literacy and improving fi nancial inclusion thus mandates a revisit. ....
This paper focuses on the usage of accounts to avail various financial services under the financial inclusion drive by the Government of India. It examines the factors affecting the use of financial services by 500 respondents from three districts of Punjab, namely Jalandhar, Gurdaspur, and Sangrur. It investigates financial services such as deposits, withdrawals, loans, ....
The paper develops an empirical model to test the substitution of trade credit for bank credit using the annual financial data of 1,028 Indian manufacturing firms from 2011 to 2019. It further examines the impact of macroeconomic policy interventions on using these two financing sources. ....