---
title: "Financial inclusion research: papers and trends"
description: "From 2017 to 2026 (so far), the keyword “financial inclusion” appeared in 1,029 papers in the tracked journals, most of them in finance (430), economics (358) and management (139)."
url: https://scholar4ai.com/keywords/financial-inclusion
markdown_url: https://scholar4ai.com/keywords/financial-inclusion.md
license: CC BY-NC 4.0 (https://creativecommons.org/licenses/by-nc/4.0/)
share_text: "From 2017 to 2026 (so far), the keyword “financial inclusion” appeared in 1,029 papers in the tracked journals, most of them in finance (430), economics (358) and management (139). (as of 2026-11-04)"
data_url: https://scholar4ai.com/data/rankings.json
updated: 2026-11-04T00:03:46+09:00
window: 2026-10-06 to 2026-11-04
source: OpenAlex (CC0)
---

# Papers on “financial inclusion”

Research on “financial inclusion” in the 480 tracked journals: papers per year and category, the journals, institutions and countries publishing it, the keywords studied with it and its most-cited papers. It is not among the most frequent keywords of the last 30 days, so this page has no list of its latest papers.

Back to the ranking: https://scholar4ai.com/rankings/keywords.md

## Key findings

- From 2017 to 2026 (so far), the keyword “financial inclusion” appeared in 1,029 papers in the tracked journals, most of them in finance (430), economics (358) and management (139).
- 219 of them were published in 2025, against 24 in 2017.
- Since 2023, the institutions with the most of these papers were University of International Business and Economics (11), Shanghai University of Finance and Economics (9) and Central University of Finance and Economics (8).
- The journals publishing most of them were Finance research letters (86), Resources Policy (44) and Research in International Business and Finance (34).
- The most-cited of them is “Impact of digital finance on financial inclusion and stability” (Borsa Istanbul Review, 2018), with 2,128 citations.

## Papers per year

*Papers per publication year and category*

| Category | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (so far) |
|---|---:|---:|---:|---:|---:|---:|---:|---:|---:|---:|
| [Finance](https://scholar4ai.com/categories/finance.md) | 7 | 7 | 10 | 11 | 33 | 35 | 40 | 87 | 114 | 86 |
| [Economics](https://scholar4ai.com/categories/economics.md) | 11 | 9 | 13 | 23 | 26 | 35 | 60 | 74 | 53 | 54 |
| [Management](https://scholar4ai.com/categories/management.md) | 3 | 4 | 5 | 6 | 14 | 11 | 16 | 24 | 30 | 26 |
| [Marketing](https://scholar4ai.com/categories/marketing.md) | 1 | 0 | 1 | 0 | 2 | 5 | 3 | 5 | 10 | 13 |
| [Information Systems](https://scholar4ai.com/categories/information-systems.md) | 1 | 1 | 2 | 1 | 4 | 5 | 5 | 5 | 4 | 8 |
| [Operations Research](https://scholar4ai.com/categories/operations-research.md) | 0 | 0 | 0 | 1 | 3 | 1 | 1 | 1 | 4 | 2 |
| [Accounting](https://scholar4ai.com/categories/accounting.md) | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 1 |
| [Health Economics and Policy](https://scholar4ai.com/categories/health-economics-and-policy.md) | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 2 |
| [AI](https://scholar4ai.com/categories/ai.md) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 |
| [Higher Education and Research](https://scholar4ai.com/categories/higher-education-and-research.md) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| [Tourism and Hospitality](https://scholar4ai.com/categories/tourism-and-hospitality.md) | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
| All categories | 24 | 21 | 31 | 42 | 83 | 92 | 126 | 198 | 219 | 193 |

## Where the papers come from

*Journals with the most papers, since 2023*

| # | Journal | Papers |
|---:|---|---:|
| 1 | [Finance research letters](https://scholar4ai.com/journals/finance-research-letters.md) | 86 |
| 2 | [Resources Policy](https://scholar4ai.com/journals/resources-policy.md) | 44 |
| 3 | [Research in International Business and Finance](https://scholar4ai.com/journals/research-in-international-business-and-finance.md) | 34 |
| 4 | [International Review of Economics & Finance](https://scholar4ai.com/journals/international-review-of-economics-finance.md) | 32 |
| 5 | [Future Business Journal](https://scholar4ai.com/journals/future-business-journal.md) | 31 |
| 6 | [Journal of Financial Services Marketing](https://scholar4ai.com/journals/journal-of-financial-services-marketing.md) | 25 |
| 7 | [International Review of Financial Analysis](https://scholar4ai.com/journals/international-review-of-financial-analysis.md) | 24 |
| 8 | [Technological Forecasting and Social Change](https://scholar4ai.com/journals/technological-forecasting-and-social-change.md) | 23 |
| 9 | [Borsa Istanbul Review](https://scholar4ai.com/journals/borsa-istanbul-review.md) | 22 |
| 10 | [Financial Innovation](https://scholar4ai.com/journals/financial-innovation.md) | 21 |

*Institutions with the most papers, since 2023*

| # | Institution | Papers |
|---:|---|---:|
| 1 | [University of International Business and Economics](https://scholar4ai.com/institutions/university-of-international-business-and-economics.md) | 11 |
| 2 | [Shanghai University of Finance and Economics](https://scholar4ai.com/institutions/shanghai-university-of-finance-and-economics.md) | 9 |
| 3 | [Central University of Finance and Economics](https://scholar4ai.com/institutions/central-university-of-finance-and-economics.md) | 8 |
| 4 | [Peking University](https://scholar4ai.com/institutions/peking-university.md) | 8 |
| 5 | [Renmin University of China](https://scholar4ai.com/institutions/renmin-university-of-china.md) | 8 |
| 6 | Universiti Putra Malaysia | 8 |
| 7 | [Zhejiang University](https://scholar4ai.com/institutions/zhejiang-university.md) | 8 |
| 8 | [Central South University](https://scholar4ai.com/institutions/central-south-university.md) | 7 |
| 9 | [University of Johannesburg](https://scholar4ai.com/institutions/university-of-johannesburg.md) | 7 |
| 10 | University of South Africa | 7 |

*Countries with the most papers, since 2023*

| # | Country | Papers |
|---:|---|---:|
| 1 | China | 239 |
| 2 | United States | 87 |
| 3 | United Kingdom | 82 |
| 4 | India | 73 |
| 5 | Australia | 37 |
| 6 | Malaysia | 33 |
| 7 | Pakistan | 32 |
| 8 | South Africa | 28 |
| 9 | France | 25 |
| 10 | Germany | 24 |

*Keywords with the most papers, since 2023*

| # | Keyword | Papers |
|---:|---|---:|
| 1 | [fintech](https://scholar4ai.com/keywords/fintech.md) | 107 |
| 2 | [China](https://scholar4ai.com/keywords/china.md) | 82 |
| 3 | [financial literacy](https://scholar4ai.com/keywords/financial-literacy.md) | 59 |
| 4 | access to finance | 52 |
| 5 | [developing countries](https://scholar4ai.com/keywords/developing-countries.md) | 50 |
| 6 | [emerging markets](https://scholar4ai.com/keywords/emerging-markets.md) | 50 |
| 7 | digital financial inclusion | 45 |
| 8 | [economic growth](https://scholar4ai.com/keywords/economic-growth.md) | 44 |
| 9 | mobile money | 41 |

## Most-cited papers

*Most-cited papers since 2017*

| # | Citations | Per month | Title | Journal | Published | Authors |
|---:|---:|---:|---|---|---|---|
| 1 | 2,128 | 20.6 | [Impact of digital finance on financial inclusion and stability](https://doi.org/10.1016/j.bir.2017.12.003) | [Borsa Istanbul Review](https://scholar4ai.com/journals/borsa-istanbul-review.md) | 2018-03-18 | Peterson K Ozili |
| 2 | 961 | 11.3 | [The impact of digital finance on household consumption: Evidence from China](https://doi.org/10.1016/j.econmod.2019.09.027) | [Economic Modelling](https://scholar4ai.com/journals/economic-modelling.md) | 2019-09-21 | Jie Li, Yu Wu, Jing Jian Xiao |
| 3 | 802 | 8.5 | [Blockchain Disruption and Decentralized Finance: The Rise of Decentralized Business Models](https://doi.org/10.1016/j.jbvi.2019.e00151) | [Journal of Business Venturing Insights](https://scholar4ai.com/journals/journal-of-business-venturing-insights.md) | 2019-01-01 | Yan Chen, Cristiano Bellavitis |
| 4 | 707 | 8.3 | [Digitalization and economic growth: A comparative analysis of Sub-Saharan Africa and OECD economies](https://doi.org/10.1016/j.telpol.2019.101856) | [Telecommunications Policy](https://scholar4ai.com/journals/telecommunications-policy.md) | 2019-09-26 | Godwin Aloyce Myovella, Mehmet Karaçuka, Justus Haucap |
| 5 | 701 | 7.0 | [Does financial literacy improve financial inclusion? Cross country evidence](https://doi.org/10.1016/j.worlddev.2018.06.020) | [World Development](https://scholar4ai.com/journals/world-development.md) | 2018-07-17 | Antonia Grohmann, Theres Klühs, Lukas Menkhoff |

## Research ideas that follow this keyword

- [Mobile money as insurance against climate shocks](https://scholar4ai.com/ideas/mobile-money-as-climate-insurance.md)

## Cite this page

Scholar4AI. (2026). Papers on “financial inclusion”. Journal and Conference Research Rankings. Retrieved November 4, 2026, from https://scholar4ai.com/keywords/financial-inclusion

```bibtex
@misc{scholar4ai-keywords-financial-inclusion,
  author = {{Scholar4AI}},
  title = {Papers on “financial inclusion”},
  year = {2026},
  howpublished = {\url{https://scholar4ai.com/keywords/financial-inclusion}},
  urldate = {2026-11-04},
  note = {Journal and Conference Research Rankings; data from OpenAlex (CC0); licensed CC BY-NC 4.0}
}
```

License: CC BY-NC 4.0 (https://creativecommons.org/licenses/by-nc/4.0/).