XÂY DỰNG THANG ĐO TÀI CHÍNH TOÀN DIỆN SỐ

Abstract

Financial inclusion not only enables individuals to access financial services but also acts as a driver for growth and development in the financial sector of each country. To measure a financial inclusion index, we can use the two-stage principal component analysis (PCA) method or the simple Euclidean mean method. Based on Sarmar’s research in 2016, the author has developed a financial inclusion index comprising three dimensions: Access, Availability, and Usage, which
combines traditional financial services and digital transformation indicators.