International records / OpenAlex research

Exploring the Determinant of Financial Inclusion in Nigeria: The Role of Digital Financial Access and Socio-Economic Factors

This study investigates the determinants of financial inclusion in Nigeria, with particular emphasis on digital access and usage. Using individual-level data from the 2025 Global Findex Database and survey-weighted logistic regression, the study examines how socio-economic characteristics and digital access relate to ownership of a formal financial-institution account among respondents aged 18 years and older. The analysis includes age, gender, education, income quintiles, and internet use. The primary results show that education, internet use, male gender, and higher income quintiles are posi…