{"id":"https://openalex.org/W3195962415","doi":"https://doi.org/10.1007/s40012-021-00328-5","title":"Digital financial inclusion: next frontiers\u2014challenges and opportunities","display_name":"Digital financial inclusion: next frontiers\u2014challenges and opportunities","publication_year":2021,"publication_date":"2021-06-01","ids":{"openalex":"https://openalex.org/W3195962415","doi":"https://doi.org/10.1007/s40012-021-00328-5","mag":"3195962415"},"language":"en","primary_location":{"id":"doi:10.1007/s40012-021-00328-5","doi":"https://doi.org/10.1007/s40012-021-00328-5","is_oa":true,"landing_page_url":"https://doi.org/10.1007/s40012-021-00328-5","pdf_url":"https://link.springer.com/content/pdf/10.1007/s40012-021-00328-5.pdf","source":{"id":"https://openalex.org/S2499294830","display_name":"CSI Transactions on ICT","issn_l":"2277-9078","issn":["2277-9078","2277-9086"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["cwts-core"],"host_organization":"https://openalex.org/P4310319900","host_organization_name":"Springer Science+Business Media","host_organization_lineage":["https://openalex.org/P4310319900","https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Science+Business Media","Springer Nature"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"CSI Transactions on ICT","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"bronze","oa_url":"https://link.springer.com/content/pdf/10.1007/s40012-021-00328-5.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5026921527","display_name":"Chandra Mohan Malladi","orcid":"https://orcid.org/0000-0002-3377-4673","observed_orcids":["https://orcid.org/0000-0002-3377-4673"]},"institutions":[{"id":"https://openalex.org/I55215948","display_name":"Tata Consultancy Services (India)","ror":"https://ror.org/01b9n8m42","country_code":"IN","type":"company","lineage":["https://openalex.org/I4210086519","https://openalex.org/I55215948"]}],"countries":["IN"],"is_corresponding":true,"raw_author_name":"Chandra Mohan Malladi","raw_affiliation_strings":["Enterprise Business Platforms, Tata Consultancy Services, Mumbai, India"],"raw_orcid":"https://orcid.org/0000-0002-3377-4673","affiliations":[{"raw_affiliation_string":"Enterprise Business Platforms, Tata Consultancy Services, Mumbai, India","institution_ids":["https://openalex.org/I55215948"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5026747736","display_name":"Rupesh K. Soni","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I55215948","display_name":"Tata Consultancy Services (India)","ror":"https://ror.org/01b9n8m42","country_code":"IN","type":"company","lineage":["https://openalex.org/I4210086519","https://openalex.org/I55215948"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Rupesh K. Soni","raw_affiliation_strings":["Enterprise Business Platforms, Tata Consultancy Services, Mumbai, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Enterprise Business Platforms, Tata Consultancy Services, Mumbai, India","institution_ids":["https://openalex.org/I55215948"]}]},{"author_position":"last","author":{"id":null,"display_name":"Sanjay Srinivasan","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I55215948","display_name":"Tata Consultancy Services (India)","ror":"https://ror.org/01b9n8m42","country_code":"IN","type":"company","lineage":["https://openalex.org/I4210086519","https://openalex.org/I55215948"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Sanjay Srinivasan","raw_affiliation_strings":["Enterprise Business Platforms, Tata Consultancy Services, Mumbai, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Enterprise Business Platforms, Tata Consultancy Services, Mumbai, India","institution_ids":["https://openalex.org/I55215948"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5026921527"],"corresponding_institution_ids":["https://openalex.org/I55215948"],"apc_list":{"value":2780,"currency":"USD","value_usd":2780},"apc_paid":null,"fwci":10.296,"has_fulltext":true,"cited_by_count":89,"citation_normalized_percentile":{"value":0.98016043,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":93,"max":100},"biblio":{"volume":"9","issue":"2","first_page":"127","last_page":"134"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9872999787330627,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9872999787330627,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.005799999926239252,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.003800000064074993,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-financial-inclusion","display_name":"digital financial inclusion","score":0.9240000247955322},{"id":"https://openalex.org/keywords/unbanked-populations","display_name":"unbanked populations","score":0.7599999904632568},{"id":"https://openalex.org/keywords/pradhan-mantri-jan-dhan-yojana","display_name":"Pradhan Mantri Jan Dhan Yojana","score":0.9599999785423279},{"id":"https://openalex.org/keywords/information-and-communication-technologies","display_name":"information and communication technologies","score":0.7749999761581421},{"id":"https://openalex.org/keywords/poverty-reduction","display_name":"poverty reduction","score":0.7289999723434448},{"id":"https://openalex.org/keywords/inclusive-society","display_name":"inclusive society","score":0.796999990940094},{"id":"https://openalex.org/keywords/stakeholder-collaboration","display_name":"stakeholder collaboration","score":0.906000018119812},{"id":"https://openalex.org/keywords/transparency","display_name":"transparency","score":0.8309999704360962},{"id":"https://openalex.org/keywords/india","display_name":"India","score":0.4350000023841858}],"concepts":[{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.9210336208343506},{"id":"https://openalex.org/C2778430866","wikidata":"https://www.wikidata.org/wiki/Q3061848","display_name":"Unbanked","level":4,"score":0.8639354705810547},{"id":"https://openalex.org/C2780233690","wikidata":"https://www.wikidata.org/wiki/Q535347","display_name":"Transparency (behavior)","level":2,"score":0.5389493107795715},{"id":"https://openalex.org/C153083717","wikidata":"https://www.wikidata.org/wiki/Q6535263","display_name":"Leverage (statistics)","level":2,"score":0.5243411660194397},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.4931465983390808},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.4898516833782196},{"id":"https://openalex.org/C189326681","wikidata":"https://www.wikidata.org/wiki/Q10294","display_name":"Poverty","level":2,"score":0.48676037788391113},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.4821445643901825},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.45834681391716003},{"id":"https://openalex.org/C99527880","wikidata":"https://www.wikidata.org/wiki/Q781118","display_name":"Universal design","level":2,"score":0.45468923449516296},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.43880540132522583},{"id":"https://openalex.org/C3987366","wikidata":"https://www.wikidata.org/wiki/Q6658164","display_name":"Livelihood","level":3,"score":0.43257197737693787},{"id":"https://openalex.org/C26517878","wikidata":"https://www.wikidata.org/wiki/Q228039","display_name":"Key (lock)","level":2,"score":0.4294511079788208},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.32851722836494446},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.3102228045463562},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.27052032947540283},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.18051785230636597},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.13303062319755554},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.1244933009147644},{"id":"https://openalex.org/C118518473","wikidata":"https://www.wikidata.org/wiki/Q11451","display_name":"Agriculture","level":2,"score":0.11313700675964355},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.10245606303215027},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C149923435","wikidata":"https://www.wikidata.org/wiki/Q37732","display_name":"Demography","level":1,"score":0.0},{"id":"https://openalex.org/C107993555","wikidata":"https://www.wikidata.org/wiki/Q1662673","display_name":"Gender studies","level":1,"score":0.0},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.0},{"id":"https://openalex.org/C18903297","wikidata":"https://www.wikidata.org/wiki/Q7150","display_name":"Ecology","level":1,"score":0.0},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1007/s40012-021-00328-5","doi":"https://doi.org/10.1007/s40012-021-00328-5","is_oa":true,"landing_page_url":"https://doi.org/10.1007/s40012-021-00328-5","pdf_url":"https://link.springer.com/content/pdf/10.1007/s40012-021-00328-5.pdf","source":{"id":"https://openalex.org/S2499294830","display_name":"CSI Transactions on ICT","issn_l":"2277-9078","issn":["2277-9078","2277-9086"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["cwts-core"],"host_organization":"https://openalex.org/P4310319900","host_organization_name":"Springer Science+Business Media","host_organization_lineage":["https://openalex.org/P4310319900","https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Science+Business Media","Springer Nature"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"CSI Transactions on ICT","raw_type":"journal-article"},{"id":"pmh:oai:pubmedcentral.nih.gov:8371586","doi":null,"is_oa":true,"landing_page_url":"https://www.ncbi.nlm.nih.gov/pmc/articles/8371586","pdf_url":null,"source":{"id":"https://openalex.org/S2764455111","display_name":"PubMed Central","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1299303238","host_organization_name":"National Institutes of Health","host_organization_lineage":["https://openalex.org/I1299303238"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"CSIT","raw_type":"Text"}],"best_oa_location":{"id":"doi:10.1007/s40012-021-00328-5","doi":"https://doi.org/10.1007/s40012-021-00328-5","is_oa":true,"landing_page_url":"https://doi.org/10.1007/s40012-021-00328-5","pdf_url":"https://link.springer.com/content/pdf/10.1007/s40012-021-00328-5.pdf","source":{"id":"https://openalex.org/S2499294830","display_name":"CSI Transactions on ICT","issn_l":"2277-9078","issn":["2277-9078","2277-9086"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["cwts-core"],"host_organization":"https://openalex.org/P4310319900","host_organization_name":"Springer Science+Business Media","host_organization_lineage":["https://openalex.org/P4310319900","https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Science+Business Media","Springer Nature"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"CSI Transactions on ICT","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/1","score":0.7777000069618225,"display_name":"No poverty"},{"id":"https://metadata.un.org/sdg/10","score":0.7578999996185303,"display_name":"Reduced inequalities"},{"id":"https://metadata.un.org/sdg/9","score":0.7207000255584717,"display_name":"Industry, innovation and infrastructure"},{"id":"https://metadata.un.org/sdg/8","score":0.48510000109672546,"display_name":"Decent work and economic growth"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3195962415.pdf","grobid_xml":"https://content.openalex.org/works/W3195962415.grobid-xml"},"referenced_works_count":16,"referenced_works":["https://openalex.org/W1722638905","https://openalex.org/W2748677578","https://openalex.org/W2779682989","https://openalex.org/W2783083258","https://openalex.org/W2929438235","https://openalex.org/W2938298458","https://openalex.org/W2943856356","https://openalex.org/W2947014822","https://openalex.org/W2998990760","https://openalex.org/W3001812644","https://openalex.org/W3011403122","https://openalex.org/W3044479476","https://openalex.org/W3095165125","https://openalex.org/W3112371426","https://openalex.org/W3127617557","https://openalex.org/W3186212827"],"related_works":["https://openalex.org/W4376599787","https://openalex.org/W3017323093","https://openalex.org/W4387427091","https://openalex.org/W4319349211","https://openalex.org/W7009111934","https://openalex.org/W3201950540","https://openalex.org/W4235416761","https://openalex.org/W6911663828","https://openalex.org/W7164491394","https://openalex.org/W7164046296"],"abstract_inverted_index":null,"counts_by_year":[{"year":2026,"cited_by_count":13},{"year":2025,"cited_by_count":22},{"year":2024,"cited_by_count":31},{"year":2023,"cited_by_count":16},{"year":2022,"cited_by_count":5},{"year":2021,"cited_by_count":2}],"updated_date":"2026-10-27T15:51:10.671819","created_date":"2021-08-30T00:00:00"}