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Hidden constraints to digital financial inclusion: the oral-literate divide

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  • Brett Hudson Matthews

Abstract

The vision that digital finance can achieve universal financial inclusion is premised on the rarely questioned assumption that the world is rapidly moving towards universal literacy and numeracy. In fact, text and arithmetic notation shape the relationship between formal finance and about a billion of the world’s poorest adults. This “oral” population, stranded outside the reach of formal employment, have neither the capabilities nor the incentives to engage in digital finance as it is currently being offered. Empirical observation of the actual capabilities and incentives of oral adults can offer transformative solutions for mobile wallet providers, NGO projects, designers and governments.

Suggested Citation

  • Brett Hudson Matthews, 2019. "Hidden constraints to digital financial inclusion: the oral-literate divide," Development in Practice, Taylor & Francis Journals, vol. 29(8), pages 1014-1028, November.
    • Handle: RePEc:taf:cdipxx:v:29:y:2019:i:8:p:1014-1028
    DOI: 10.1080/09614524.2019.1654979
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    Cited by:

    1. Shang, Rui, 2023. "Divide or dividend: How digital finance impacts educational equality," Finance Research Letters, Elsevier, vol. 55(PA).
    2. Guo, Xiuping & Wang, Luting & Meng, Xianglei & Dong, Xintong & Gu, Lili, 2023. "The impact of digital inclusive finance on farmers' income level: evidence from China's major grain production regions," Finance Research Letters, Elsevier, vol. 58(PC).

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