...Zefeng Bai; Shuxin Zheng; Miaoqing Jia Purpose This study investigates whether individuals facing financial constraints, as indicated by the use of alternative financial services (AFS), are more likely to invest in cryptocurrencies, potentially using the new financial instrument as an alternative...

... demonstrated significant disparities in the use of alternative financial services (AFS) among racial and ethnic groups. Specifically, it was found that Blacks were more likely to utilize title and payday loans, pawnshops, and rent-to-own (RTO) stores compared to Whites. In contrast, Hispanics and Asians...

... specific disability types face different barriers to financial inclusion. For example, respondents with cognitive, ambulatory or two or more disabilities were more likely to use nonbank transaction products and alternative financial services. And, those with vision or cognitive disabilities were more...