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Trust in banks and financial inclusion: Micro-level evidence from 28 countries

Author

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  • Heyert, Axelle
  • Weill, Laurent

Abstract

This paper examines the impact of trust in banks on financial inclusion in a cross-country framework. We use micro-level data informing on trust in banks and financial inclusion for a dataset of about 61,000 observations from 28 countries. We find evidence for the positive impact of trust in banks on financial inclusion. We find that the positive impact of trust in banks on financial inclusion affects all individuals, regardless of their socio-demographic characteristics and of their financial situation, and is not conditional to the country or the year. Overall, we provide support to enhance trust in banks in the perspective of promoting financial inclusion worldwide.

Suggested Citation

  • Heyert, Axelle & Weill, Laurent, 2025. "Trust in banks and financial inclusion: Micro-level evidence from 28 countries," Economic Systems, Elsevier, vol. 49(1).
    • Handle: RePEc:eee:ecosys:v:49:y:2025:i:1:s0939362524000700
    DOI: 10.1016/j.ecosys.2024.101248
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    More about this item

    Keywords

    Trust in banks; Financial inclusion; Banking;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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