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What's Next After Achieving 100% Level of Financial Inclusion?

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  • Ozili, Peterson K

Abstract

This study considers a world where it is possible to attain full financial inclusion where full financial inclusion means achieving a 100% level of financial inclusion in whichever way financial inclusion is measured. It was argued that increasing the level of financial inclusion is a priority for policymakers in developing countries while many developed countries have already attained a high level of financial inclusion. After the highest possible level of financial inclusion has been attained, countries that have achieved such a feat will think about what next can be done about financial inclusion. This article addresses this issue and offers insights into the course of action that countries can take after achieving full financial inclusion in whichever way financial inclusion is measured. This study also explores the philosophical nature of this question by casting some light into whether attaining full financial inclusion is a worthwhile goal for policymakers to focus on. The insights offered in this study are useful to scholars, policymakers and those responsible for increasing financial inclusion in their countries.

Suggested Citation

  • Ozili, Peterson K, 2025. "What's Next After Achieving 100% Level of Financial Inclusion?," MPRA Paper 123587, University Library of Munich, Germany.
    • Handle: RePEc:pra:mprapa:123587
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    File URL: https://mpra.ub.uni-muenchen.de/123587/1/MPRA_paper_123587.pdf
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    References listed on IDEAS

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    More about this item

    Keywords

    financial inclusion; digital financial inclusion; full financial inclusion; criticism;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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