Determinants of Financial Inclusion in Argentina and Ireland: A Comparative Perspective

Díaz Estévez, Valentina Luciana (2024) Determinants of Financial Inclusion in Argentina and Ireland: A Comparative Perspective. Masters thesis, Dublin, National College of Ireland.

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Abstract

A comparison of the factors influencing financial inclusion in Argentina and Ireland, at both macro and micro levels over a ten-year time period (2012-2022) is conducted through this study. By using Fixed Effects Regression method, with the objective to discover which socioeconomic factors from World Bank's World Development Indicators (WDI) database along with other demographic indicators like Health Development Index (HDI) have impact in both countries. The level of financial inclusion in these countries has been calculated using a two-stage principal component analysis (PCA), based on metrics of financial access-ownership, availability and usage sourced from International Monetary Fund's Financial Access Survey (FAS) as well as Global Findex Database (Findex). The results show that Ireland, with better economic freedom and a more digitized environment, always leads to higher levels of financial inclusion than Argentina. Still, Argentina has been successful in achieving financial inclusion in terms of traditional banking. The study illustrates a contradictory inverse relationship between HDI and financial inclusion, showing complex dynamics that need further scrutiny. Policymakers need to develop tailored strategies to enhance financial literacy and adoption of fintech in both countries, with particular attention to bridging the digital gap in Argentina.

Item Type:	Thesis (Masters)
Supervisors:	Name Email Onwuegbuche, Faithful UNSPECIFIED
Subjects:	H Social Sciences > HG Finance H Social Sciences > HG Finance > Fintech T Technology > T Technology (General) > Information Technology > Fintech H Social Sciences > HD Industries. Land use. Labor > Small Business Sector
Divisions:	School of Computing > Master of Science in FinTech
Depositing User:	Ciara O'Brien
Date Deposited:	02 Aug 2025 13:40
Last Modified:	02 Aug 2025 13:40
URI:	https://norma.ncirl.ie/id/eprint/8417

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