Ogunro, Ibukunoluwa Olubukola (2025) Digital Financial Services and Cybersecurity: Barriers to Financial Inclusion in Developing Countries. Masters thesis, Concordia University.
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Abstract
As digital financial services grow across developing economies, they promise to close
long-standing gaps in financial inclusion. Yet, the rise of cyber threats and low digital
trust pose new challenges that can discourage adoption, especially among vulnerable
populations. This study examines how cybersecurity infrastructure and digital access
influence mobile money usage in 35 developing countries from 2018 to 2023. Using
panel data regression techniques, the results show the importance of building secure,
accessible, and user-trusted financial systems to drive inclusive growth in the digital
age.
| Divisions: | Concordia University > Faculty of Arts and Science > Economics |
|---|---|
| Item Type: | Thesis (Masters) |
| Authors: | Ogunro, Ibukunoluwa Olubukola |
| Institution: | Concordia University |
| Degree Name: | M.A. |
| Program: | Economics |
| Date: | 20 August 2025 |
| Thesis Supervisor(s): | Dee, Jan Victor and Koreshkova, Tatyana |
| ID Code: | 995953 |
| Deposited By: | Ibukunoluwa Olubukola Ogunro |
| Deposited On: | 04 Nov 2025 15:50 |
| Last Modified: | 04 Nov 2025 15:50 |
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