Iqtisodiyotning hozirgi sharoitida xo‘jalik yurituvchi sub’ektlar ishlab

 
FINANCIAL INCLUSION, MOBILE BANKING: POST-PANDEMIC EVIDENCE 
FROM CENTRAL ASIA 

 
 
Isakov Olmas Kuchkarovich - 

Westminster International University in Tashkent 
Lecturer and PhD candidate 
 
The econometric model employed in this article uses four financial inclusion indicators 
as the response variables, while individual characteristics and socioeconomic statuses of adult 
respondents from Central Asian countries are used as explanatory variables. According to the 
findings, there is significant gender gap in only one of the financial inclusion indicators: the 
odds of having an account at a financial institution are approximately 25% lower for women 
compared to men. Moreover education, employment status, and income levels are significant 
factors in determining the financial inclusivity of an individual. Owning a mobile phone and 
having access to the Internet have significant positive relationships with financial inclusivity. 
The age factor is also found to be significant and has nonlinear relationship with financial 
inclusion.
Introduction. 
Financial inclusion has received significant international attention during 
the past decade. Indeed, The United Nations Capital Development Fund (UNCDF) has 
positioned financial inclusion as a target in eight of its seventeen goals for 2030 Sustainable 
Development Goals. According to the Global Findex Dataset published by the World Bank in 
2021, about 1.4 billion adults across the world do not have an account at a financial institution 
or through mobile money provider. Most of these unbanked individuals come from 
developing economies but the indicators of financial inclusion have been improving in recent 
years. Account ownership at financial institutions worldwide has increased by 50 percent 
from 2011 to 2021, from 51 percent of adults to 76 percent of adults [1]. There has been some 
progress in reducing the gap in access to financial services for underserved adults, such as