Towards a More Inclusive Model of Financial Inclusion: Technology and Well-Being

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Author(s): Ashley Tong (University of Newcastle, Australia), Zahirah Zainol (Curtin University, Singapore)and Nurhafihz Noor (James Cook University, Singapore)
Copyright: 2026
Pages: 32
Source title: Promoting Inclusivity and Accessibility With FinTech
Source Author(s)/Editor(s): Masairol Masri (Universiti Brunei Darussalam, Brunei), Muhammad Azmi Sait (Universiti Brunei Darussalam, Brunei)and Muhammad Anshari (Universiti Brunei Darussalam, Brunei)
DOI: 10.4018/979-8-3373-1112-8.ch002

Keywords: Accounting & Finance / Accounting and Finance / Business & Management / Business Science Reference

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Abstract

There is growing attention on the role of businesses in addressing the financial challenges faced by various excluded groups. While technology has driven progress in financial inclusion, the diverse characteristics of these excluded groups, ranging from income and gender to culture, geography, and education, require a more holistic and inclusive approach. This paper proposes an inclusive model of financial inclusion by synthesizing existing literature to identify key factors of financial inclusion and explore how they interact. Based on this synthesis, a conceptual model is developed to address the varied needs of different stakeholders.

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Towards a More Inclusive Model of Financial Inclusion: Technology and Well-Being

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