NFIS

Determinants of and Detriments to Financial Inclusion in Pakistan

Feb 12, 2020
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Access to financial services has been a subject of increasing policy debate in developing countries. Financial inclusion is important as it reduces poverty and inequality, allows poor people to smooth out their consumption and invest in their futures through education and health.

Financial Inclusion: Demand Side Surveys and Definitional Issues in Pakistan

Dec 24, 2019
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Digital finance and financial inclusion offer several benefits not only to financial services users but also to digital finance providers, governments and the economy at large as well.

DFS: Regulatory and Fiscal Impediments

Jun 28, 2019
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Several governments in developing world, along with the donor community, seem keen on developing an “enabling environment” for digital financial services (DFS)[1]. DFS is seen as a pathway towards financial inclusion, which is being promoted as part of global development agenda.

Enhancing Savings through Digital Means

Pakistani individuals, firms and government are not generating enough savings to meet the economy’s investment requirements. This lack of domestic savings results in an inherent dependence on “foreign inflows” in the form of remittances, issuance of sovereign bonds/loans and flows under Foreign Direct Investment (FDI).

The Unbanked: A hundred-million question

In the context of developing countries like Pakistan, financial inclusion is generally considered to be more about broadening the access of formal financial services (payments, savings, loans, insurance products etc.) to individuals and Small & Medium Enterprises (SMEs) that are currently out of the banking system.
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