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  • Financial Inclusion and Economic Development : A Review of the Data and Evidence (anglais)

    This paper reviews the impact of financial inclusion on economic development outcomes. It highlights the benefits of financial inclusion, including greater savings, improved resilience to economic shocks...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS11021 Date du document: 8 janvier 2025 Mode de publication: Disclosed Auteur: Ansar, Saniya,Klapper, Leora,Singer, Dorothe

  • Expanding Financial Inclusion through Digital Financial Services : A Literature Review (anglais)

    Worldwide, account ownership increased by 50 percent in the 10 years spanning 2011 to 2021, to reach 76 percent of the global adult population. The goal of financial inclusion is not just for more adults...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS11008 Date du document: 19 décembre 2024 Mode de publication: Disclosed Auteur: Klapper, Leora

  • The Importance of Financial Education for the Effective Use of Formal Financial Services (anglais)

    This paper examines global data on unbanked and underbanked consumers to highlight the role that improved financial literacy and capability could play in motivating and enabling the safe and beneficial...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS10345 Date du document: 7 mars 2023 Mode de publication: Disclosed Auteur: Ansar,Saniya,Klapper,Leora,Singer,Dorothe

  • Changing Perceptions of Institutions and Standard of Living in Iraq (anglais)

    The history of Iraq over the past decade is a stark example of increasing vertical and horizontal inequalities, preceding and following a period of violent conflict. This paper uses a cross-section of...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS9773 Date du document: 13 septembre 2021 Mode de publication: Disclosed Auteur: Ansar,Saniya,Celiku,Bledi,Klapper,Leora,Mansour,Wael

  • Learning to Navigate a New Financial Technology : Evidence from Payroll Accounts (anglais)

    How do inexperienced consumers learn to use a new financial technology? This paper presents results from a field experiment that introduced payroll accounts in a population of largely unbanked factory...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS9495 Date du document: 31 décembre 2020 Mode de publication: Disclosed Auteur: Breza,Emily,Kanz,Martin,Klapper,Leora

  • Toward Successful Development Policies : Insights from Research in Development Economics (anglais)

    What major insights have emerged from development economics in the past decade, and how do they matter for the World Bank? This challenging question was recently posed by World Bank Group President David...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS9133 Date du document: 30 janvier 2020 Mode de publication: Disclosed Auteur: Artuc,Erhan,Cull,Robert J.,Dasgupta,Susmita,Fattal Jaef,Roberto N.,Filmer,Deon P.,Gine,Xavier,Jacoby,Hanan G.,Jolliffe,Dean Mitchell,Kee,Hiau Looi,Klapper,Leora,Kraay,Aart C.,Loayza,Norman V.,Mckenzie,David J.,Ozler,Berk,Rao,Vijayendra,Rijkers,Bob,Schmukler,Sergio L.,Toman,Michael A.,Wagstaff, Adam,Woolcock,Michael


  • Financial Inclusion in the Europe and Central Asia Region : Recent Trends and a Research Agenda (anglais)

    Financial inclusion can help promote development. Inclusive financial systems allow people to invest in their education and health, save for retirement, capitalize on business opportunities, and confront...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS8830 Date du document: 24 avril 2019 Mode de publication: Disclosed Auteur: Demirguc-Kunt,Asli,Hu,Bingjie,Klapper,Leora

  • The Limits of Commitment: Who Benefits from Illiquid Savings Products? (anglais)

    Working with a private bank in Ghana, this study examines the impacts of a commitment savings product designed to help clients taking repeated overdrafts break their debt cycles. Overall, the product significantly...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS8633 Date du document: 31 octobre 2018 Mode de publication: Disclosed Auteur: Buehren,Niklas,Goldstein,Markus P.,Klapper,Leora,Koroknay-Palicz,Tricia,Schaner,Simone Gabrielle


  • Making it easier to apply for a bank account: a study of the Indian market (anglais)

    This paper draws on new individual-level survey data from India to study the costs of opening an account and the efficiency of the account application process. The data show a recent increase in account...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS8205 Date du document: 26 septembre 2017 Mode de publication: Disclosed Auteur: Demirguc-Kunt,Asli,Klapper,Leora,Ansar,Saniya,Jagati,Aditya

  • Financial inclusion and inclusive growth : a review of recent empirical evidence (anglais)

    There is growing evidence that appropriate financial services have substantial benefits for consumers, especially women and poor adults. This paper provides an overview of financial inclusion around the...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS8040 Date du document: 25 avril 2017 Mode de publication: Disclosed Auteur: Demirguc-Kunt,Asli,Klapper,Leora,Singer,Dorothe

  • Saving for old age (anglais)

    Countries around the world face a retirement crisis brought on by aging populations, declining birthrates, and fiscal shortfalls. As a result, policy makers increasingly seek to understand retirement savings...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS7693 Date du document: 2 juin 2016 Mode de publication: Disclosed Auteur: Demirguc-Kunt,Asli,Klapper,Leora,Panos,Georgios A.

  • The Global Findex Database 2014 : measuring financial inclusion around the world (anglais)

    The Global Financial Inclusion (Global Findex) database, launched by the World Bank in 2011, provides comparable indicators showing how people around the world save, borrow, make payments, and manage risk...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS7255 Date du document: 15 avril 2015 Mode de publication: Disclosed Auteur: Demirguc-Kunt,Asli,Klapper,Leora,Singer,Dorothe,Van Oudheusden,Peter

  • Civil conflict and firm performance : evidence from Cote d'Ivoire (anglais)

    This paper investigates the impact of political instability and civil conflict on firms. It studies the unrest in Cote d'Ivoire that began in 2000, using a census of all registered firms for the years...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS6640 Date du document: 1 octobre 2013 Mode de publication: Disclosed Auteur: Klapper,Leora,Richmond,Christine J.,Tran,Trang Thu

  • Financial inclusion and the role of the post office (anglais)

    Given their widespread presence in rural and poor areas, post offices can play a leading role in advancing financial inclusion. Yet little is known about the type of clients that post offices reach through...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS6630 Date du document: 1 octobre 2013 Mode de publication: Disclosed Auteur: Anson,Jose,Berthaud,Alexandre,Klapper,Leora,Singer,Dorothe

  • The role of private equity investments in public firms : international evidence (anglais)

    This paper compares the raising of external equity capital from private equity investors via private investments in public equity (PIPEs) and seasoned equity offerings (SEOs) using a sample of 456 PIPEs...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS6484 Date du document: 1 juin 2013 Mode de publication: Disclosed Auteur: Dahiya, Sandeep,Klapper,Leora,Parthasarathy,Harini,Singer,Dorothe

  • Financial inclusion and legal discrimination against women : evidence from developing countries (anglais)

    This paper documents and analyzes gender differences in the use of financial services using individual-level data from 98 developing countries. The data, drawn from the Global Financial Inclusion (Global...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS6416 Date du document: 1 avril 2013 Mode de publication: Disclosed Auteur: Demirguc-Kunt,Asli,Klapper,Leora,Singer,Dorothe

  • The foundations of financial inclusion : understanding ownership and use of formal accounts (anglais)

    Financial inclusion -- defined here as the use of formal accounts -- can bring many welfare benefits to individuals. Yet the authors know very little about the factors underpinning financial inclusion...

    Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS6290 Date du document: 1 décembre 2012 Mode de publication: Disclosed Auteur: Allen,Franklin,Demirguc-Kunt,Asli,Klapper,Leora,Martinez Peria,Maria Soledad