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Financial Inclusion in Iran and Its Determinants
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Mohammad Haji Ali *1   , Ali Saeedi2 , Mohammad Hasani2 |
1- Islamic Azad University & Central Bank of Islamic Republic of Iran
2- Islamic Azad University |
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Abstract: (101 Views) |
Given the pivotal role of widespread access to financial services in achieving economic justice and sustainable development, this study aimed to identify and analyze indigenous factors influencing financial inclusion in Iran. In the first phase, a preliminary set of factors was extracted through qualitative content analysis of previous studies. Based on these findings, a semi-structured questionnaire was developed, and interviews were conducted with 19 experts. The interview data were analyzed using open coding, leading to the identification of final factors. In the next phase, within the framework of quantitative analysis, a three-round fuzzy Delphi method was employed to achieve expert consensus and perform initial screening. Subsequently, data collected from 181 professionals were analyzed using exploratory factor analysis (EFA) to construct the conceptual model, followed by confirmatory factor analysis (CFA) through structural equation modeling to test the model. The final findings identified five key dimensions explaining financial inclusion in Iran, ranked by importance as follows: digital financial inclusion, access to financial services, social and economic justice, financial literacy and education, and financial and economic policies. These results underscore the necessity of designing comprehensive policies that simultaneously address technological, institutional, educational, and policy-related dimensions.
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Article number: 1 |
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Type of Study: Case Study |
Subject:
Macroeconomic Policy, Macroeconomic Aspects of Public Finance, and General Outlook (E6)
Received: 2025/07/1 | Accepted: 2025/07/20 | Published: 2025/08/6
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