Financial Inclusion and Bank Stability: Evidence From Europe

dc.contributor.author Danışman, Gamze Öztürk
dc.contributor.author Öztürk Danışman, Gamze
dc.contributor.author Tarazi, Amine
dc.contributor.other International Trade and Finance
dc.date.accessioned 2020-07-30T10:39:06Z
dc.date.available 2020-07-30T10:39:06Z
dc.date.issued 2020
dc.department Fakülteler, İşletme Fakültesi, Muhasebe ve Finans Yönetimi Bölümü en_US
dc.description.abstract The Great Recession of 2007-2009 piqued the interest of policymakers worldwide, prompting various initiatives to stabilize the financial system and advance financial inclusion. However, few studies have considered their interconnectedness or whether any synergies or trade-offs exist between them. This paper investigates how financial inclusion affects the stability of the European banking system. The findings indicate that advancements in financial inclusion through more account ownership and digital payments have a stabilizing effect on the banking industry. A deeper investigation shows that such a stabilizing impact is mainly driven by the targeting of disadvantaged adults who are young, undereducated, unemployed, and who live in rural areas. Hence, along with its known benefits to society as a whole, financial inclusion has the additional benefit of improving the stability of the financial system. Such findings call for policy configurations that are specifically designed to achieve financial inclusion for disadvantaged individuals. en_US
dc.identifier.citationcount 51
dc.identifier.doi 10.1080/1351847X.2020.1782958 en_US
dc.identifier.issn 1351-847X en_US
dc.identifier.issn 1466-4364 en_US
dc.identifier.issn 1351-847X
dc.identifier.issn 1466-4364
dc.identifier.scopus 2-s2.0-85087499964 en_US
dc.identifier.scopusquality Q1
dc.identifier.uri https://hdl.handle.net/20.500.12469/3088
dc.identifier.uri https://doi.org/10.1080/1351847X.2020.1782958
dc.identifier.wos WOS:000549613500001 en_US
dc.identifier.wosquality Q3
dc.institutionauthor Danışman, Gamze Öztürk en_US
dc.language.iso en en_US
dc.publisher Routledge Journals en_US
dc.relation.journal European Journal of Finance en_US
dc.relation.publicationcategory Makale - Uluslararası Hakemli Dergi - Kurum Öğretim Elemanı en_US
dc.rights info:eu-repo/semantics/openAccess en_US
dc.scopus.citedbyCount 82
dc.subject Financial Inclusion en_US
dc.subject Bank Stability en_US
dc.subject Account Ownership en_US
dc.subject Digital Payments en_US
dc.subject Disadvantaged Adults KeyWords Plus:RISK en_US
dc.subject GMM en_US
dc.title Financial Inclusion and Bank Stability: Evidence From Europe en_US
dc.type Article en_US
dc.wos.citedbyCount 68
dspace.entity.type Publication
relation.isAuthorOfPublication 6629e6e7-22c3-4c86-9ab0-09997a609091
relation.isAuthorOfPublication.latestForDiscovery 6629e6e7-22c3-4c86-9ab0-09997a609091
relation.isOrgUnitOfPublication 16202dfd-a149-4884-98fb-ada5f8c12918
relation.isOrgUnitOfPublication.latestForDiscovery 16202dfd-a149-4884-98fb-ada5f8c12918

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