Publication:
The dynamics of financial inclusion in Ethiopia: Diversifying delivery channels, expanding digital technology, and enhancing financial knowledge for greater financial inclusion

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dc.contributor.authorYonis, Manex B.
dc.contributor.authorAmbel, Alemayehu A.
dc.contributor.authorDi Salvo, Francesco
dc.contributor.authorRawlins, Marlon R.
dc.date.accessioned2025-04-29T19:16:10Z
dc.date.available2025-04-29T19:16:10Z
dc.date.issued2025-04-29
dc.description.abstractThe report seeks to inform how the country can accelerate nationwide integration into the formal financial system to enable progress in poverty reduction, equality, and other relevant reforms under the HGERA. The report supports the ongoing reforms in the financial sector and identifies strategic priorities and types of interventions. The goal is to fully understand the extent to which individuals in the country access and use formal financial services. Measuring financial inclusion, quantifying the effectiveness of initiatives such as mobile banking, banking agents, and financial education programs, and identifying and understanding the pathways to enabling people to enter the financial system is essential for policymakers and practitioners working to develop and design policies and programs meant to promote financial inclusion. In this regard, the report emphasizes looking at various indicators simultaneously to measure the progress of financial inclusion. The objective of the study is to examine the evolution of the financial inclusion of individuals over time, identify the pathways that enable an individual’s decision to move out of being unbanked, define the channels people use to enter the financial system, and explore opportunities to drive up equitable financial inclusion. The study also measures financial inclusion in different dimensions and reviews their simultaneous development. It provides evidence to validate constraints to and enablers of financial inclusion in the context of gender and spatial disparities in the socioeconomic landscape. While the study explores the factors that contribute to or hinder financial inclusion, it emphasizes the role of human capital, which is financial knowledge and awareness, as well as technology, in promoting financial inclusion.en
dc.identifierhttp://documents.worldbank.org/curated/en/099222204152534475
dc.identifier.doi10.1596/43135
dc.identifier.urihttps://hdl.handle.net/10986/43135
dc.languageEnglish
dc.language.isoen_US
dc.publisherWashington, DC: World Bank
dc.rightsCC BY-NC 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttps://creativecommons.org/licenses/by-nc/3.0/igo
dc.subjectECONOMIC GROWTH
dc.subjectNO POVERTY
dc.subjectPOVERTY REDUCTION
dc.subjectFINANCIAL SECTOR REFORMS
dc.subjectHUMAN CAPITAL AND TECHNOLOGY
dc.titleThe dynamics of financial inclusion in Ethiopiaen
dc.title.subtitleDiversifying delivery channels, expanding digital technology, and enhancing financial knowledge for greater financial inclusionen
dc.typeReport
dspace.entity.typePublication
okr.date.disclosure2025-04-29
okr.date.doiregistration2025-05-01T02:20:45.693914Z
okr.date.lastmodified2025-04-18T11:05:03Zen
okr.doctypeEconomic & Sector Work::Other Financial Sector Study
okr.doctypeEconomic & Sector Work
okr.docurlhttp://documents.worldbank.org/curated/en/099222204152534475
okr.guid099222204152534475
okr.identifier.docmidIDU-744015e9-c911-45e8-aca6-1a0cee4bd2c3
okr.identifier.externaldocumentum40007026
okr.identifier.internaldocumentum40007026
okr.identifier.report200473
okr.import.id7249
okr.importedtrueen
okr.language.supporteden
okr.pdfurlhttps://documents.worldbank.org/curated/en/099222204152534475/pdf/IDU-744015e9-c911-45e8-aca6-1a0cee4bd2c3.pdfen
okr.region.administrativeAfrica Eastern and Southern (AFE)
okr.region.countryEthiopia
okr.topicPoverty Reduction::Poverty Reduction Strategies
okr.topicFinance and Financial Sector Development::Financial Sector and Social Assistance
okr.topicScience and Technology Development::Technology Innovation
okr.unitLiving Standards Measurement (DECLS)
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