Digitalization and Financial Inclusion in OIC Economies: A Fixed-Effects Panel Data Analysis

Amjad Ali Hassan

TR EN

Digitalization and Financial Inclusion in OIC Economies: A Fixed-Effects Panel Data Analysis

Abstract

I am a researcher specializing in digital finance and development economics at University of Lahore. Their work focuses on the intersection of technological advancements and financial access in emerging markets, with a particular focus on the OIC region and Turkey. we utilize advanced panel data analysis to examine how digital tools contribute to financial inclusion and economic growth. Currently, they are researching the impact of fintech adoption on household finance in Turkey

Keywords

Financial Inclusion, OIC, Digitalization, Mobile Access, Fixed-Effects, Panel Data, Turkey, Technological Leapfrogging, Islamic Economics, Digital Financial Services

Supporting Institution

This research received no specific grant from any funding agency in the public, commercial, or not-for-profit sectors. The study was conducted independently by the author.

Project Number

0

Ethical Statement

The author declares that this research did not require ethics committee approval. The study utilizes secondary, publicly available data from the World Bank and Global Findex databases. No human participants or animals were involved in the research process. The study was conducted in accordance with international ethical standards for academic research and the principles of the Declaration of Helsinki where applicable to data handling.

Thanks

The author would like to thank the World Bank and the Global Findex Database team for providing the open-access data that made this empirical analysis possible. Additionally, the author extends appreciation to the editorial board and anonymous reviewers of the Karatay Journal of Islamic Economics and Finance for their valuable feedback and contribution to the improvement of this manuscript.

Digitalization and Financial Inclusion in OIC Economies: A Fixed-Effects Panel Data Analysis

Abstract

I am a researcher specializing in digital finance and development economics at University of Lahore. Their work focuses on the intersection of technological advancements and financial access in emerging markets, with a particular focus on the OIC region and Turkey. we utilize advanced panel data analysis to examine how digital tools contribute to financial inclusion and economic growth. Currently, they are researching the impact of fintech adoption on household finance in Turkey

Keywords

Financial Inclusion, OIC, Digitalization, Mobile Access, Fixed-Effects, Panel Data, Turkey, Technological Leapfrogging, Islamic Economics, Digital Financial Services

Supporting Institution

This research received no specific grant from any funding agency in the public, commercial, or not-for-profit sectors. The study was conducted independently by the author.

Project Number

0

Ethical Statement

The author declares that this research did not require ethics committee approval. The study utilizes secondary, publicly available data from the World Bank and Global Findex databases. No human participants or animals were involved in the research process. The study was conducted in accordance with international ethical standards for academic research and the principles of the Declaration of Helsinki where applicable to data handling.

Thanks

The author would like to thank the World Bank and the Global Findex Database team for providing the open-access data that made this empirical analysis possible. Additionally, the author extends appreciation to the editorial board and anonymous reviewers of the Karatay Journal of Islamic Economics and Finance for their valuable feedback and contribution to the improvement of this manuscript.

References

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Details

Primary Language

English

Subjects

Islamic Economy

Journal Section

Research Article

Authors

Amjad Ali Hassan ^*
0009-0004-5360-3275
Pakistan

Publication Date

July 30, 2026

Submission Date

May 6, 2026

Acceptance Date

June 12, 2026

Published in Issue

Year 2026 Volume: 4 Number: 1

IZ

https://izlik.org/JA32PS58YS

APA

Hassan, A. A. (2026). Digitalization and Financial Inclusion in OIC Economies: A Fixed-Effects Panel Data Analysis. Karatay İslam İktisadı Ve Finans Dergisi, 4(1), 14-38. https://izlik.org/JA32PS58YS

AMA

1.Hassan AA. Digitalization and Financial Inclusion in OIC Economies: A Fixed-Effects Panel Data Analysis. KARJIEF. 2026;4(1):14-38. https://izlik.org/JA32PS58YS

Chicago

Hassan, Amjad Ali. 2026. “Digitalization and Financial Inclusion in OIC Economies: A Fixed-Effects Panel Data Analysis”. Karatay İslam İktisadı Ve Finans Dergisi 4 (1): 14-38. https://izlik.org/JA32PS58YS.

EndNote

Hassan AA (July 1, 2026) Digitalization and Financial Inclusion in OIC Economies: A Fixed-Effects Panel Data Analysis. Karatay İslam İktisadı ve Finans Dergisi 4 1 14–38.

IEEE

[1]A. A. Hassan, “Digitalization and Financial Inclusion in OIC Economies: A Fixed-Effects Panel Data Analysis”, KARJIEF, vol. 4, no. 1, pp. 14–38, July 2026, [Online]. Available: https://izlik.org/JA32PS58YS

ISNAD

Hassan, Amjad Ali. “Digitalization and Financial Inclusion in OIC Economies: A Fixed-Effects Panel Data Analysis”. Karatay İslam İktisadı ve Finans Dergisi 4/1 (July 1, 2026): 14-38. https://izlik.org/JA32PS58YS.

JAMA

1.Hassan AA. Digitalization and Financial Inclusion in OIC Economies: A Fixed-Effects Panel Data Analysis. KARJIEF. 2026;4:14–38.

MLA

Hassan, Amjad Ali. “Digitalization and Financial Inclusion in OIC Economies: A Fixed-Effects Panel Data Analysis”. Karatay İslam İktisadı Ve Finans Dergisi, vol. 4, no. 1, July 2026, pp. 14-38, https://izlik.org/JA32PS58YS.

Vancouver

1.Amjad Ali Hassan. Digitalization and Financial Inclusion in OIC Economies: A Fixed-Effects Panel Data Analysis. KARJIEF [Internet]. 2026 Jul. 1;4(1):14-38. Available from: https://izlik.org/JA32PS58YS

Digitalization and Financial Inclusion in OIC Economies: A Fixed-Effects Panel Data Analysis

Abstract

Keywords

Supporting Institution

Project Number

Ethical Statement

Thanks

Digitalization and Financial Inclusion in OIC Economies: A Fixed-Effects Panel Data Analysis

Abstract

Keywords

Supporting Institution

Project Number

Ethical Statement

Thanks

References

Details

Primary Language

Subjects

Journal Section

Authors

Publication Date

Submission Date

Acceptance Date

Published in Issue

IZ

Cite