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

Öz

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

Anahtar Kelimeler

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

Destekleyen Kurum

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.

Proje Numarası

0

Etik Beyan

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.

Teşekkür

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

Öz

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

Anahtar Kelimeler

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

Destekleyen Kurum

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.

Proje Numarası

0

Etik Beyan

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.

Teşekkür

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.

Kaynakça

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Acemoglu, D., Johnson, S., & Robinson, J. A. (2001). The colonial origins of comparative development: An empirical investigation. American Economic Review, 91(5), 1369–1401.
Adeola, O., & Evans, O. (2017). Financial inclusion, financial development and economic diversification in Nigeria. The Journal of Developing Areas, 51(4), 1–15.
Andrianaivo, M., & Kpodar, K. (2011). ICT, financial inclusion, and growth: Evidence from African countries (IMF Working Paper No. 11/73). International Monetary Fund.
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Bongomi, E. G., Ntayi, J. M., Munene, J. C., & Malinga, C. A. (2018). Mobile money and financial inclusion: A cross-country analysis. Journal of Financial Services Research, 54(3), 251–275.
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Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44.
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Park, C. Y., & Mercado, R. V. (2015). Financial inclusion, poverty, and income inequality in developing Asia (ADB Economics Working Paper Series No. 426). Asian Development Bank.
Park, C. Y., & Mercado, R. V. (2018). Financial inclusion: New measurement and cross-country impact assessment. Journal of Economic Studies, 45(5), 878–902.
Rodrik, D., Subramanian, A., & Trebbi, F. (2004). Institutions rule: The primacy of institutions over geography and integration in economic development. Journal of Economic Growth, 9(2), 131–165.
Sahay, R., Eriksson, P., Lambert, F., Nivison, M., Raca, A., & Weber, S. (2020). The digitalization of finance: Implications for financial stability and monetary policy (IMF Working Paper). International Monetary Fund.
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Ayrıntılar

Birincil Dil

İngilizce

Konular

İslam Ekonomisi

Bölüm

Araştırma Makalesi

Yazarlar

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

Yayımlanma Tarihi

30 Temmuz 2026

Gönderilme Tarihi

6 Mayıs 2026

Kabul Tarihi

12 Haziran 2026

Yayımlandığı Sayı

Yıl 2026 Cilt: 4 Sayı: 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 (01 Temmuz 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, c. 4, sy 1, ss. 14–38, Tem. 2026, [çevrimiçi]. Erişim adresi: 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 (01 Temmuz 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, c. 4, sy 1, Temmuz 2026, ss. 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]. 01 Temmuz 2026;4(1):14-38. Erişim adresi: https://izlik.org/JA32PS58YS

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

Öz

Anahtar Kelimeler

Destekleyen Kurum

Proje Numarası

Etik Beyan

Teşekkür

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

Öz

Anahtar Kelimeler

Destekleyen Kurum

Proje Numarası

Etik Beyan

Teşekkür

Kaynakça

Ayrıntılar

Birincil Dil

Konular

Bölüm

Yazarlar

Yayımlanma Tarihi

Gönderilme Tarihi

Kabul Tarihi

Yayımlandığı Sayı

IZ

Kaynak Göster