Isidro Cipriano Andaluz Lobo

Beyond Account Ownership: Digital Capability, Secure Device Control, and Merchant-Payment Use Across 74 Economies

Financial-account access and digital merchant-payment use are distinct dimensions of inclusion. Combining Global Findex historical subgroup series with the 2024 cross-section, we prioritize a common-sample analysis of 62,480 phone-owning adults across 74 economies. Weighted econo...