Informal Sector, Financial Inclusion, and Role of Digitalisation
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Summary
The informal sector is central to developing economies but remains constrained by limited financial inclusion. This paper examines the determinants of digitalisation and its effects on financial inclusion among informal enterprises in Bangladesh, Ghana, and India. The findings show that digitalisation significantly improves access to credit, formal banking, and digital savings across all three countries. By expanding access to essential financial services, digitalisation strengthens the sustaina