Figure 1
The framework shows a central oval labeled “Digital financial services”. Three rectangular text boxes are positioned above the oval. The top-left text box is labeled “Social factors (Education and Residential status)”, the top-center text box is labeled “Economic factors (Income and Employment status)”, and the top-right text box is labeled “Demographic factors (Gender and Age)”. Three individual downward arrows emerge from each of these text boxes and point toward the central oval labeled “Digital financial services”.Research framework. Source: Figure by authors