title: Digital accessibility in the context of preference for financial services
metadata.name: dc.contributor.author
metadata.value: Ivanov, Viktor V.
metadata.lang: -
metadata.name: dc.contributor.author
metadata.value: Lvova, Nadezhda A.
metadata.lang: -
metadata.name: dc.contributor.author
metadata.value: Saksonova, Svetlana
metadata.lang: -
metadata.name: dc.contributor.author
metadata.value: Lyukevich, Igor N.
metadata.lang: -
metadata.name: dc.date.accessioned
metadata.value: 2023-07-07T19:12:44Z
metadata.lang: -
metadata.name: dc.date.available
metadata.value: 2023-07-07T19:12:44Z
metadata.lang: -
metadata.name: dc.date.issued
metadata.value: 2023-06
metadata.lang: -
metadata.name: dc.identifier.citation
metadata.value: Ivanov, V. V., Lvova, N. A., Saksonova, S. and Lyukevich, I. N. (2023) ‘Digital accessibility in the context of preference for financial services’, St Petersburg University Journal of Economic Studies, 39 (2), pp. 179–197. https://doi.org/10.21638/spbu05.2023.202
metadata.lang: en_GB
metadata.name: dc.identifier.other
metadata.value: 10.21638/spbu05.2023.202
metadata.lang: -
metadata.name: dc.identifier.uri
metadata.value: http://hdl.handle.net/11701/41733
metadata.lang: -
metadata.name: dc.description.abstract
metadata.value: The paper addresses the question of how digital access is related to the preference for financial
  services. The purpose of the research was to reveal the main types of interrelationships
  between digital and financial access by dividing and comparing countries with different corresponding
  characteristics. The research hypothesis suggested a negative correlation would exist
  between digital access and penetration of traditional financial services. To test this hypothesis,
  data from countries with advanced and developing markets were analyzed. The share of the
  population with Internet access was used as an indicator of digital access. To evaluate the
  availability of financial services, the IMF financial access index was considered. The countries
  were ranked by the level of digital and financial access, which allowed them to be divided into
  four groups according four sub-hypotheses: low financial and high digital penetration, high
  digital and financial penetration, low digital and high financial penetration, and low digital
  and financial penetration. The correlation analysis of the obtained data revealed a weak negative
  relationship between digital and financial access for each of the groups, and confirmed the
  tested hypotheses. It was concluded that digital access by itself is not a driver for expanding
  the availability of financial services, but it can contribute to innovative financial development
  through the formation of alternative financial services. This research contributes to the understanding
  of the ambiguous relationship between digital and financial access and, ultimately,
  to the criticism of the optimistic perception of digital finance, which has practical significance
  for financial regulation.
metadata.lang: en_GB
metadata.name: dc.language.iso
metadata.value: en
metadata.lang: en_GB
metadata.name: dc.publisher
metadata.value: St Petersburg State University
metadata.lang: en_GB
metadata.name: dc.relation.ispartofseries
metadata.value: St Petersburg University Journal of Economic Studies;Volume 39; Issue 2
metadata.lang: -
metadata.name: dc.subject
metadata.value: digital access
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: digital penetration
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: financial access
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: financial penetration
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: sustainable development
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: sustainable financial development
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: advanced markets
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: emerging markets
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: frontier markets
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: low-income countries
metadata.lang: en_GB
metadata.name: dc.title
metadata.value: Digital accessibility in the context of preference for financial services
metadata.lang: en_GB
metadata.name: dc.type
metadata.value: Article
metadata.lang: en_GB
resources.filename: 02.pdf
resources.url: https://dspace.spbu.ru/bitstream/11701/41733/1/02.pdf
resources.format: Adobe PDF
resources.size: 812,52 kB