{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,6,25]],"date-time":"2026-06-25T18:54:57Z","timestamp":1782413697309,"version":"3.54.5"},"reference-count":94,"publisher":"Association for Information Systems","issue":"4","license":[{"start":{"date-parts":[[2023,5,5]],"date-time":"2023-05-05T00:00:00Z","timestamp":1683244800000},"content-version":"vor","delay-in-days":0,"URL":"http:\/\/creativecommons.org\/licenses\/by\/4.0\/"}],"content-domain":{"domain":["www.tandfonline.com"],"crossmark-restriction":true},"short-container-title":["Information Technology for Development"],"published-print":{"date-parts":[[2023,10,2]]},"DOI":"10.1080\/02681102.2023.2199189","type":"journal-article","created":{"date-parts":[[2023,5,5]],"date-time":"2023-05-05T06:27:20Z","timestamp":1683268040000},"page":"582-606","update-policy":"https:\/\/doi.org\/10.1080\/tandf_crossmark_01","source":"Crossref","is-referenced-by-count":24,"title":["Digital financial services and human development: current landscape and research prospects"],"prefix":"10.17705","volume":"29","author":[{"given":"Himanshu","family":"Sharma","sequence":"first","affiliation":[{"name":"Business Information Systems, Auckland University of Technology, Auckland, New Zealand"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Antonio","family":"D\u00edaz Andrade","sequence":"additional","affiliation":[{"name":"Business Information Systems, Auckland University of Technology, Auckland, New Zealand"}],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"7521","published-online":{"date-parts":[[2023,5,5]]},"reference":[{"key":"e_1_3_3_2_1","doi-asserted-by":"publisher","DOI":"10.1080\/09537325.2020.1795111"},{"key":"e_1_3_3_3_1","doi-asserted-by":"publisher","DOI":"10.1086\/687578"},{"key":"e_1_3_3_4_1","doi-asserted-by":"publisher","DOI":"10.1177\/0973703020946706"},{"key":"e_1_3_3_5_1","unstructured":"Alampay E. A. Moshi G. C. Ghosh I. Peralta M. L. C. & Harshanti J. (2017). The impact of mobile financial services in low-and lower-middle-income countries."},{"key":"e_1_3_3_6_1","unstructured":"Alliance for Financial Inclusion. (2016). Digital Financial Services Basic Terminology . https:\/\/www.afi-global.org\/sites\/default\/files\/publications\/2016-08\/Guideline%20Note-19%20DFS-Terminology.pdf"},{"key":"e_1_3_3_7_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.iedeen.2019.12.004"},{"key":"e_1_3_3_8_1","doi-asserted-by":"publisher","DOI":"10.1504\/IJBIS.2018.091165"},{"key":"e_1_3_3_9_1","doi-asserted-by":"publisher","DOI":"10.5267\/j.msl.2017.5.004"},{"key":"e_1_3_3_10_1","doi-asserted-by":"publisher","DOI":"10.2139\/ssrn.2676553"},{"key":"e_1_3_3_11_1","doi-asserted-by":"publisher","DOI":"10.1007\/s13132-017-0477-x"},{"key":"e_1_3_3_12_1","doi-asserted-by":"crossref","unstructured":"Azevedo J. P. Inan O. K. & Yang J. S. (2016). How equitable is access to finance in turkey? evidence from the latest global FINDEX. Evidence from the Latest Global Findex (January 28 2016). World Bank Policy Research Working Paper (7541).","DOI":"10.1596\/1813-9450-7541"},{"key":"e_1_3_3_13_1","volume-title":"Financial access survey 2022: Trends and developments","author":"Beyene B.","year":"2022","unstructured":"Beyene, B., Carcel-Villanova, H., & Huayta-Zapata, K. (2022). Financial access survey 2022: Trends and developments. International Monetary Fund. https:\/\/data.imf.org\/?sk\u2009=\u2009E5DCAB7E-A5CA-4892-A6EA-598B5463A34C&sId\u2009=\u20091460040555909"},{"key":"e_1_3_3_14_1","doi-asserted-by":"publisher","DOI":"10.1191\/1478088706qp063oa"},{"key":"e_1_3_3_15_1","doi-asserted-by":"publisher","DOI":"10.1080\/02681102.2020.1734770"},{"key":"e_1_3_3_16_1","doi-asserted-by":"publisher","DOI":"10.1201\/1078\/43191.17.2.20000301\/31227.6"},{"key":"e_1_3_3_17_1","doi-asserted-by":"publisher","DOI":"10.1023\/A:1016023528211"},{"key":"e_1_3_3_18_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.jdent.2022.104004"},{"key":"e_1_3_3_19_1","doi-asserted-by":"publisher","DOI":"10.1080\/00330120701836303"},{"key":"e_1_3_3_20_1","volume-title":"Banking and finance on the internet","author":"Cronin M. J.","year":"1998","unstructured":"Cronin, M. J. (1998). Banking and finance on the internet. John Wiley & Sons."},{"key":"e_1_3_3_21_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.worlddev.2012.11.002"},{"key":"e_1_3_3_22_1","doi-asserted-by":"publisher","DOI":"10.1596\/978-1-4648-1259-0_ch6"},{"key":"e_1_3_3_23_1","doi-asserted-by":"crossref","DOI":"10.37199\/t40002609","volume-title":"The mystery of capital: Why capitalism triumphs in the west and fails everywhere else","author":"De Soto H.","year":"2000","unstructured":"De Soto, H. (2000). The mystery of capital: Why capitalism triumphs in the west and fails everywhere else. Basic Books."},{"key":"e_1_3_3_24_1","doi-asserted-by":"publisher","DOI":"10.1080\/02681102.2011.643204"},{"key":"e_1_3_3_25_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2011.07.006"},{"key":"e_1_3_3_26_1","doi-asserted-by":"publisher","DOI":"10.1080\/01292980802344190"},{"key":"e_1_3_3_27_1","doi-asserted-by":"publisher","DOI":"10.1080\/01436590903134882"},{"key":"e_1_3_3_28_1","doi-asserted-by":"publisher","DOI":"10.1177\/0972652718798191"},{"key":"e_1_3_3_29_1","doi-asserted-by":"publisher","DOI":"10.1142\/S0219649218500284"},{"key":"e_1_3_3_30_1","volume-title":"A feasibility study: Should a major New York commercial bank offer telephone bill payment","author":"Edmunds D. C.","year":"1977","unstructured":"Edmunds, D. C., Fishman, B. D., & Hedstrom, M. W. (1977). A feasibility study: Should a major New York commercial bank offer telephone bill payment. Massachusetts Institute of Technology."},{"key":"e_1_3_3_31_1","doi-asserted-by":"publisher","DOI":"10.1515\/9781400839926"},{"key":"e_1_3_3_32_1","doi-asserted-by":"crossref","unstructured":"Espinosa-Vega M. A. Shirono M. K. Villanova M. H. C. Chhabra M. Das M. B. & Fan M. Y. (2020). Measuring financial access: 10 years of the IMF financial access survey (20\/08): International Monetary Fund. https:\/\/www.imf.org\/en\/Publications\/Departmental-Papers-Policy-Papers\/Issues\/2020\/05\/12\/Measuring-Financial-Access-10-Years-of-the-IMF-Financial-Access-Survey-49298","DOI":"10.5089\/9781513538853.087"},{"key":"e_1_3_3_33_1","unstructured":"Feyen E. Frost J. Gambacorta L. Natarajan H. & Saal M. (2021). Fintech and the digital transformation of financial services: implications for market structure and public policy. BIS Papers No 117. Basel Switzerland: Bank for International Settlements ."},{"key":"e_1_3_3_34_1","doi-asserted-by":"crossref","unstructured":"Ghosh I. (2013). The agent in a transformational m-banking ecosystem: interface or intermediary? Symposium conducted at the meeting of the Proceedings of the Sixth International Conference on Information and Communications Technologies and Development: Notes-Volume 2.","DOI":"10.1145\/2517899.2517918"},{"key":"e_1_3_3_35_1","doi-asserted-by":"publisher","DOI":"10.4236\/ajibm.2017.710084"},{"key":"e_1_3_3_36_1","doi-asserted-by":"publisher","DOI":"10.1177\/1479972316633414"},{"key":"e_1_3_3_37_1","unstructured":"GSMA. (2012). Mobile Money in the Philippines \u2013 The Market the Models and Regulation https:\/\/www.gsma.com\/mobilefordevelopment\/wp-content\/uploads\/2012\/06\/Philippines-Case-Study-v-X21-21.pdf"},{"key":"e_1_3_3_38_1","unstructured":"GSM Association. (2021). The Mobile Economy 2021. https:\/\/www.gsma.com\/mobileeconomy\/wp-content\/uploads\/2021\/07\/GSMA_MobileEconomy2021_3.pdf"},{"key":"e_1_3_3_39_1","doi-asserted-by":"publisher","DOI":"10.1002\/jrsm.1378"},{"key":"e_1_3_3_40_1","unstructured":"Hamel J.-Y. (2010). ICT4D and the human development and capabilities approach: The potentials of information and communication technology."},{"key":"e_1_3_3_41_1","unstructured":"Hasnain S. Komu A. & Blackburn C. (2016). Mobile money in the Philippines: Market conditions drive innovation with Smart Money and GCash . Retrieved 08 January 2023 from https:\/\/www.gsma.com\/mobilefordevelopment\/programme\/mobile-money\/mobile-money-philippines-market-conditions-drive-innovation-smart-money-gcash-philippines-becoming-mobile-money-innovation-hub\/"},{"key":"e_1_3_3_42_1","doi-asserted-by":"publisher","DOI":"10.1002\/jid.1716"},{"key":"e_1_3_3_43_1","doi-asserted-by":"publisher","DOI":"10.4324\/9781315652603"},{"key":"e_1_3_3_44_1","doi-asserted-by":"crossref","unstructured":"Ibtasam S. Mehmood H. Razaq L. Webster J. Yu S. & Anderson R. (2017). An exploration of smartphone based mobile money applications in Pakistan. Symposium conducted at the meeting of the Proceedings of the Ninth International Conference on Information and Communication Technologies and Development.","DOI":"10.1145\/3136560.3136571"},{"key":"e_1_3_3_45_1","doi-asserted-by":"crossref","unstructured":"Ibtasam S. Razaq L. Anwar H. W. Mehmood H. Shah K. Webster J. Kumar N. & Anderson R. (2018). Knowledge access and decision-making: Women's financial inclusion in Pakistan . Symposium conducted at the meeting of the Proceedings of the 1st ACM SIGCAS Conference on Computing and Sustainable Societies.","DOI":"10.1145\/3209811.3209819"},{"key":"e_1_3_3_46_1","unstructured":"ILO. (2018). Women and Men in the Informal Economy: A Statistical Picture . International Labour Office \u2013 Geneva. https:\/\/www.ilo.org\/wcmsp5\/groups\/public\/\u2014dgreports\/\u2014dcomm\/documents\/publication\/wcms_626831.pdf"},{"key":"e_1_3_3_47_1","unstructured":"ILO. (2021). ILO Global Estimates on International Migrant Workers \u2013 Results and Methodology : International Labour Office \u2013 Geneva https:\/\/www.ilo.org\/wcmsp5\/groups\/public\/\u2014dgreports\/\u2014dcomm\/\u2014publ\/documents\/publication\/wcms_808935.pdf"},{"key":"e_1_3_3_48_1","unstructured":"IMF. (2021). Five Things to Know about the Informal Economy . https:\/\/www.imf.org\/en\/News\/Articles\/2021\/07\/28\/na-072821-five-things-to-know-about-the-informal-economy"},{"key":"e_1_3_3_49_1","unstructured":"IMF. (2022). IMF Data: Access to Macroeconomic and Financial Data . Retrieved 02 January 2023 from https:\/\/data.imf.org\/?sk\u2009=\u2009E5DCAB7E-A5CA-4892-A6EA-598B5463A34C&sId\u2009=\u20091460043522778"},{"key":"e_1_3_3_50_1","doi-asserted-by":"publisher","DOI":"10.1007\/s11187-017-9951-x"},{"key":"e_1_3_3_51_1","doi-asserted-by":"publisher","DOI":"10.1257\/aer.104.1.183"},{"key":"e_1_3_3_52_1","volume-title":"Human development report 2016: Human development for everyone","author":"J\u0101h\u0101na S.","year":"2016","unstructured":"J\u0101h\u0101na, S. (2016). Human development report 2016: Human development for everyone. United Nations Publications."},{"key":"e_1_3_3_53_1","doi-asserted-by":"publisher","DOI":"10.1177\/0973801019841261"},{"key":"e_1_3_3_54_1","doi-asserted-by":"publisher","DOI":"10.1108\/10662240010312048"},{"key":"e_1_3_3_55_1","doi-asserted-by":"publisher","DOI":"10.1111\/isj.12200"},{"key":"e_1_3_3_56_1","doi-asserted-by":"publisher","DOI":"10.1108\/02652320510612474"},{"key":"e_1_3_3_57_1","doi-asserted-by":"publisher","DOI":"10.1111\/roiw.12101"},{"key":"e_1_3_3_58_1","doi-asserted-by":"publisher","DOI":"10.1080\/15332861.2018.1451969"},{"key":"e_1_3_3_59_1","doi-asserted-by":"publisher","DOI":"10.1111\/aepr.12377"},{"key":"e_1_3_3_60_1","doi-asserted-by":"publisher","DOI":"10.1002\/isd2.v84.5"},{"key":"e_1_3_3_61_1","doi-asserted-by":"crossref","unstructured":"Laukkanen T. (2005). Comparing consumer value creation in Internet and mobile banking IEEE. Symposium conducted at the meeting of the International Conference on Mobile Business (ICMB'05).","DOI":"10.1109\/ICMB.2005.28"},{"key":"e_1_3_3_62_1","doi-asserted-by":"publisher","DOI":"10.1186\/s40854-018-0089-x"},{"key":"e_1_3_3_63_1","doi-asserted-by":"publisher","DOI":"10.25300\/MISQ\/2016\/40.2.10"},{"key":"e_1_3_3_64_1","doi-asserted-by":"publisher","DOI":"10.28945\/479"},{"key":"e_1_3_3_65_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2019.100833"},{"key":"e_1_3_3_66_1","doi-asserted-by":"publisher","DOI":"10.1080\/17531050903273768"},{"key":"e_1_3_3_67_1","doi-asserted-by":"publisher","DOI":"10.1108\/02652320310457767"},{"key":"e_1_3_3_68_1","doi-asserted-by":"publisher","DOI":"10.1111\/rode.12327"},{"key":"e_1_3_3_69_1","doi-asserted-by":"publisher","DOI":"10.1287\/orsc.2018.1281"},{"key":"e_1_3_3_70_1","doi-asserted-by":"publisher","DOI":"10.1787\/9789264265615-8-en"},{"key":"e_1_3_3_71_1","doi-asserted-by":"publisher","DOI":"10.17705\/1CAIS.03743"},{"key":"e_1_3_3_72_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.rdf.2017.01.001"},{"key":"e_1_3_3_73_1","doi-asserted-by":"publisher","DOI":"10.1080\/02681102.2019.1701969"},{"key":"e_1_3_3_74_1","unstructured":"Par\u00e9 G. (2018). Workshop on Literature Reviews . (Available from the Queensland University of Technology)."},{"key":"e_1_3_3_75_1","volume-title":"Digital financial services","author":"Pazarbasioglu C.","year":"2020","unstructured":"Pazarbasioglu, C., Mora, A. G., Uttamchandani, M., Natarajan, H., Feyen, E., & Saal, M. (2020). Digital financial services. World Bank."},{"key":"e_1_3_3_76_1","doi-asserted-by":"publisher","DOI":"10.1057\/s41287-017-0114-3"},{"key":"e_1_3_3_77_1","volume-title":"Systematic reviews in the social sciences: A practical guide","author":"Petticrew M.","year":"2008","unstructured":"Petticrew, M., & Roberts, H. (2008). Systematic reviews in the social sciences: A practical guide. John Wiley & Sons."},{"key":"e_1_3_3_78_1","doi-asserted-by":"publisher","DOI":"10.1108\/IJSE-08-2017-0324"},{"key":"e_1_3_3_79_1","unstructured":"SARTUC. (2020). Regional Social Dialogue on \u2018Formalisation of Informal Economy Sustainable Development Goals (SDGs) and Future of Work\u2019 in Kathmandu Nepal . https:\/\/www.sartuc.org\/document\/report-of-regional-social-dialogue-on-formalisation-of-informal-economy-sustainable-development-goals-sdgs-and-future-of-work\/"},{"key":"e_1_3_3_80_1","unstructured":"Sathe V. (2011). The World's Most Ambitious ID Project. Innovations A quarterly journal published by MIT Press ."},{"key":"e_1_3_3_81_1","doi-asserted-by":"publisher","DOI":"10.1111\/j.1540-6520.2011.00469.x"},{"key":"e_1_3_3_82_1","volume-title":"Development as freedom","author":"Sen A.","year":"1999","unstructured":"Sen, A. (1999). Development as freedom. Knopf."},{"key":"e_1_3_3_83_1","doi-asserted-by":"publisher","DOI":"10.17705\/1cais.03706"},{"key":"e_1_3_3_84_1","doi-asserted-by":"publisher","DOI":"10.1002\/isd2.12066"},{"key":"e_1_3_3_85_1","unstructured":"UN. (2015). Transforming our world: the 2030 Agenda for Sustainable Development (A\/RES\/70\/1). United Nations. https:\/\/documents-dds-ny.un.org\/doc\/UNDOC\/GEN\/N15\/291\/89\/PDF\/N1529189.pdf?OpenElement"},{"key":"e_1_3_3_86_1","unstructured":"UNDP. (2011). Human Development Report 2011: Sustainability and Equity - A Better Future for All . New York. http:\/\/hdr.undp.org\/en\/content\/human-development-report-2011"},{"key":"e_1_3_3_87_1","unstructured":"Unnikrishnan S. Larson J. Pinpradab B. & Brown R. (2019). How mobile money agents can expand financial inclusion . https:\/\/www.bcg.com\/en-in\/publications\/2019\/how-mobile-money-agents-can-expand-financial-inclusion"},{"key":"e_1_3_3_88_1","doi-asserted-by":"publisher","DOI":"10.1108\/02640470310499867"},{"key":"e_1_3_3_89_1","doi-asserted-by":"publisher","DOI":"10.3390\/su11030568"},{"key":"e_1_3_3_90_1","doi-asserted-by":"publisher","DOI":"10.1080\/02681102.2016.1246406"},{"key":"e_1_3_3_91_1","doi-asserted-by":"publisher","DOI":"10.1111\/cwe.12334"},{"key":"e_1_3_3_92_1","doi-asserted-by":"publisher","DOI":"10.3390\/su12041668"},{"key":"e_1_3_3_93_1","doi-asserted-by":"publisher","DOI":"10.2307\/4132319"},{"key":"e_1_3_3_94_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.jik.2022.100170"},{"key":"e_1_3_3_95_1","unstructured":"World Bank. (2018). UFA2020 overview: Universal financial access by 2020."}],"container-title":["Information Technology for Development"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/www.tandfonline.com\/doi\/pdf\/10.1080\/02681102.2023.2199189","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2026,4,20]],"date-time":"2026-04-20T16:28:20Z","timestamp":1776702500000},"score":1,"resource":{"primary":{"URL":"https:\/\/www.tandfonline.com\/doi\/full\/10.1080\/02681102.2023.2199189"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2023,5,5]]},"references-count":94,"journal-issue":{"issue":"4","published-print":{"date-parts":[[2023,10,2]]}},"alternative-id":["10.1080\/02681102.2023.2199189"],"URL":"https:\/\/doi.org\/10.1080\/02681102.2023.2199189","relation":{},"ISSN":["0268-1102","1554-0170"],"issn-type":[{"value":"0268-1102","type":"print"},{"value":"1554-0170","type":"electronic"}],"subject":[],"published":{"date-parts":[[2023,5,5]]},"assertion":[{"value":"The publishing and review policy for this title is described in its Aims & Scope.","order":1,"name":"peerreview_statement","label":"Peer Review Statement"},{"value":"http:\/\/www.tandfonline.com\/action\/journalInformation?show=aimsScope&journalCode=titd20","URL":"http:\/\/www.tandfonline.com\/action\/journalInformation?show=aimsScope&journalCode=titd20","order":2,"name":"aims_and_scope_url","label":"Aim & Scope"},{"value":"2023-05-05","order":2,"name":"published","label":"Published","group":{"name":"publication_history","label":"Publication History"}}]}}