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Cited by 796Microfinance and Financial InclusionFinTech, Crowdfunding, Digital FinanceHousing, Finance, and Neoliberalism

The digital revolution in financial inclusion: international development in the fintech era

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Gabor, Daniela, Brooks, Sally·2017·New Political Economy
DOI 10.1080/13563467.2017.1259298
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Abstract

This paper examines the growing importance of digital-based financial inclusion as a form of organising development interventions through networks of state institutions, international development organisations, philanthropic investment and fintech companies. The fintech–philanthropy–development complex generates digital ecosystems that map, expand and monetise digital footprints. Its ‘know thy (irrational) customer’ vision combines behavioural economics with predictive algorithms to accelerate access to, and monitor engagement with, finance. The digital revolution adds new layers to the material cultures of financial(ised) inclusion, offering the state new ways of expanding the inclusion of the ‘legible’, and global finance new forms of ‘profiling’ poor households into generators of financial assets.

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  • Broad efforts at inclusion take at-risk populations at economic and political margins and make them legible to global systems of data and finance.

    “These broad efforts at inclusion take at-risk populations at the economic and political margins and make them ' legible ' to global systems of data and fi nance (Gabor and Brooks, 2017: 425).”

    From Blockchain financialization, neo-colonialism, and Binance (2023) · cites this paper as Gabor and Brooks, 2017: 425

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Research works printed but not linked: 17

  1. Beck, T. and De La Torre, A. (2006), 'The Basic Analytics of Access to Financial Services', Financial Markets, Institutions and Instruments, 16 (2), pp. 79-117.
  2. Collard, S. (2007), 'Financial Inclusion in the UK: Progress and Challenges', Public Policy and Management, 27 (1), pp. 13-20.
  3. Cooper, M. (2008), 'The Inequality of Security: Winners and Losers in the Risk Society', Human Relations, 61 (9), pp. 1229-58.
  4. Costa, A. and Ehrbeck, T. (2015), 'A Market-building Approach to Financial Inclusion', Innovations, 10 (1-2_, pp. 1-2.
  5. Dymski G.A., Veitch J. M. (1992), 'Race and the Financial Dynamics of Urban Growth: LA as Fay Wray', in G. Riposa and C. Dersch (eds), City of Angels (Kendal/Hunt, Dubuque, IA), pp. 131-58.
  6. Dymski G A (2006), 'Targets of Opportunity in Two Landscapes of Financial Globalisation', Geoforum, 37 (3), pp. 307-11.
  7. Erturk, I. et al. (2007), 'The Democratization of Finance? Promises, Outcomes and Conditions', Review of International Political Economy, 14 (4), pp. 553-75.
  8. Gabor, D. (2010), Central Banking and Financialisation. A Romanian Account of how Eastern Europe became Subprime. (Basingstoke: Palgrave Macmillan.)
  9. Greenspan, A. (2005), 'Innovation and Structural Change Boost Access to Consumer Credit', address to the Federal Reserve System's Fourth Annual Community Affairs Research Conference, 8 April 2005, Washington, DC.
  10. Hausman, D. M. and Welch, B. (2010), 'Debate: To Nudge or Not to Nudge', Journal of Political Philosophy, 18 (1), pp. 123-36.
  11. Johnson, S. and Arnold, S. (2012), 'Inclusive Financial Markets: Is Transformation Underway in Kenya?', Development Policy Review, 30 (6), pp.719-48.
  12. Leyshon, A., French, S. and Signoretta, P. (2008), 'Financial Exclusion and the Geography of Bank and Building Society Branch Closure in Britain', Transactions of the Institute of British Geographers, 33 (4), pp. 447-65.
  13. Rose, N. and Miller, P. (1992), 'Political Power beyond the State: Problematics of Government', British Journal of Sociology, 43 (2), pp. 173-205.
  14. Shiller, R. (2003), The New Financial Order: Risk in the Twenty-First Century (Princeton,NJ: Princeton University Press).
  15. Mundell- Fleming Lecture', presented at the 12th Jacques Polak Annual Research Conference, hosted by the International Monetary Fund, Washington, November 10-11.
  16. Author biographies Daniela Gabor is associate professor in economics at the University of the West of England, Bristol. She holds a PhD in banking and finance from the University of Stirling (2009). Since then, she has published on central banking in crisis, on the governance of global banks and the IMF, on shadow banking and repo markets. Her latest publications include a co-edited book with Charles Goodhart, Jakob Vestegaard, and Ismail Erturk entitled Central Banking at Crossroads (Anthem Press, 2014) and The (impossible) repo trinity (Review of International Political Economy, 2016), Banking on bonds (Journal of Common Market Studies, with Cornel Ban, 2015) and A step too far? The European FTT on shadow banking (Journal of European Public Policy, 2015).
  17. Sally Brooks is lecturer in international development at the University of York and has more than 23 years experience of research and practice within the international development sector. She holds a DPhil in development studies from the Institute of Development Studies (IDS) at the University of Sussex (2008). Since then she has published on food security and smallholder agriculture, science and technology for development, the role of 'new philanthropy', and financialisation and/of development. Her latest publications include Inducing food insecurity: financialisation and development in the post-2015 era (Third World Quarterly, 2016); Philanthrocapitalism, 'pro-poor' agricultural biotechnology and development (in Morvaridi (ed.), New Philanthropy and Social Justice, Policy Press: 2015); and Enabling Adaptation? Lessons from the new 'Green Revolution' in Malawi and Kenya (Climatic Change, 2014).

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Authors
Gabor, D., & Brooks, S.
Affiliations
  • University of the West of England (GB)
  • University of York (GB)
Corresponding author
Brooks, Sally
ORCID
Venue
New Political Economy
Publisher
Informa UK Limited
Published
2016-11-28
Volume
22
Issue
4
Pages
423-436
ISSN
  • 1356-3467 (ISSN-L)
  • 1469-9923
DOI
10.1080/13563467.2017.1259298
OpenAlex
W2557567230
Cited by
796
References
61
Citations by year
2026: 101 · 2025: 94 · 2024: 116 · 2023: 121 · 2022: 112 · 2021: 95 · 2020: 70 · 2019: 49 · 2018: 22 · 2017: 3 · 2016: 12
FWCI
55.71
Type
journal article
Language
en
Open access
Licence
cc-by
Locations
  • New Political Economy (publishedVersion)
  • White Rose Research Online (University of Leeds, The University of Sheffield, University of York) (acceptedVersion)
  • UWE Research Repository (UWE Bristol) (submittedVersion, cc-by)
  • RePEc: Research Papers in Economics (submittedVersion)
Funders
Seventh Framework Programme (266800)
Topics
  • Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Microfinance and Financial Inclusion
  • Social Sciences › Business, Management and Accounting › Management Information Systems › FinTech, Crowdfunding, Digital Finance
  • Social Sciences › Economics, Econometrics and Finance › Finance › Housing, Finance, and Neoliberalism
Keywords
financial inclusion, fintech, international development, philanthropy, digital ecosystems, behavioral economics, predictive algorithms, financialization, digital footprint, development interventions, international finance

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