..., accessibility, availability, usage and affordability are found to be significant determinants of financial inclusion; however, the financial literacy dimension is found statistically insignificant. Further, the study results confirm that financial inclusion contributes substantially to the well-being...

... and structural equation modelling have been used to identify the inter-relations between financial inclusion and underlying barriers. Findings The study concludes that there are major latent issues that determine the uptake and usage of financial services, major being “operational and implementation...