International records / OpenAlex research

Financial Disintermediation and Financial Inclusion: Do Digital Financial Platforms Expand Access to Finance?

This study examined the relationship between financial disintermediation and financial inclusion in Nigeria, with particular emphasis on whether digital financial platforms have expanded access to financial services. The study investigated the effects of financial disintermediation, mobile money transactions, electronic payment values, bank branch density, and internet usage on financial inclusion using annual time-series data spanning the period 1990–2025. The study employed the Augmented Dickey–Fuller (ADF) and Dickey–Fuller Generalized Least Squares (DF-GLS) tests to determine the stationar…