{"id":"https://openalex.org/W7220200470","doi":null,"title":"FINANCIAL REFORMS AND ACCESS TO BANK SERVICES AMONG RURAL DWELLERS IN SOUTH-WEST NIGERIA.","display_name":"FINANCIAL REFORMS AND ACCESS TO BANK SERVICES AMONG RURAL DWELLERS IN SOUTH-WEST NIGERIA.","publication_year":2026,"publication_date":"2026-05-25","ids":{"openalex":"https://openalex.org/W7220200470"},"language":"en","primary_location":{"id":"pmh:oai:ojs.cjpa.com.ng:article/194","doi":null,"is_oa":true,"landing_page_url":"https://runjournalofmanagement.com/index.php/runjm/article/view/194","pdf_url":"https://runjournalofmanagement.com/index.php/runjm/article/download/194/137","source":{"id":"https://openalex.org/S7407077607","display_name":"RUN Journal of Management","issn_l":"3092-8443","issn":["3092-8443","3092-8451"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"3092-8443","raw_type":"info:eu-repo/semantics/article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://runjournalofmanagement.com/index.php/runjm/article/download/194/137","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5025551093","display_name":"Michael O. Aladejebi","orcid":"https://orcid.org/0009-0000-5547-7912","observed_orcids":["https://orcid.org/0009-0000-5547-7912"]},"institutions":[{"id":"https://openalex.org/I265584191","display_name":"Redeemer's University","ror":"https://ror.org/01v0we819","country_code":"NG","type":"education","lineage":["https://openalex.org/I265584191"]}],"countries":["NG"],"is_corresponding":false,"raw_author_name":"Aladejebi, Michael Olukayode","raw_affiliation_strings":["Redeemer's University, Ede, Nigeria"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Redeemer's University, Ede, Nigeria","institution_ids":["https://openalex.org/I265584191"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5079027121","display_name":"Oy\u0131nlola M. Akinyede","orcid":"https://orcid.org/0000-0001-6587-0531","observed_orcids":["https://orcid.org/0000-0001-6587-0531"]},"institutions":[{"id":"https://openalex.org/I265584191","display_name":"Redeemer's University","ror":"https://ror.org/01v0we819","country_code":"NG","type":"education","lineage":["https://openalex.org/I265584191"]}],"countries":["NG"],"is_corresponding":false,"raw_author_name":"Akinyede, Oyinlola Morounfoluwa","raw_affiliation_strings":["Redeemer's University, Ede, Nigeria"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Redeemer's University, Ede, Nigeria","institution_ids":["https://openalex.org/I265584191"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5022670918","display_name":"Taofeek Sola Afolabi","orcid":"https://orcid.org/0000-0002-9371-6176","observed_orcids":["https://orcid.org/0000-0002-9371-6176"]},"institutions":[{"id":"https://openalex.org/I265584191","display_name":"Redeemer's University","ror":"https://ror.org/01v0we819","country_code":"NG","type":"education","lineage":["https://openalex.org/I265584191"]}],"countries":["NG"],"is_corresponding":false,"raw_author_name":"Afolabi, Taofeek Sola","raw_affiliation_strings":["Redeemer's University, Ede, Nigeria"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Redeemer's University, Ede, Nigeria","institution_ids":["https://openalex.org/I265584191"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I265584191"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9945999979972839,"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":0.9945999979972839,"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/T10127","display_name":"Banking stability, regulation, efficiency","score":0.001500000013038516,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"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":0.0006000000284984708,"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/financial-reform","display_name":"financial reform","score":0.8370000123977661},{"id":"https://openalex.org/keywords/banking-access","display_name":"banking access","score":0.9860000014305115},{"id":"https://openalex.org/keywords/rural-dwellers","display_name":"rural dwellers","score":0.7630000114440918},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.8740000128746033},{"id":"https://openalex.org/keywords/cashless-policy","display_name":"cashless policy","score":0.9369999766349792},{"id":"https://openalex.org/keywords/central-bank-of-nigeria","display_name":"Central Bank of Nigeria","score":0.8740000128746033},{"id":"https://openalex.org/keywords/southwestern-nigeria","display_name":"Southwest Nigeria","score":0.9710000157356262}],"concepts":[{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.8342999815940857},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.6481999754905701},{"id":"https://openalex.org/C105776082","wikidata":"https://www.wikidata.org/wiki/Q617473","display_name":"Likert scale","level":2,"score":0.5878000259399414},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5817000269889832},{"id":"https://openalex.org/C133462117","wikidata":"https://www.wikidata.org/wiki/Q4929239","display_name":"Data collection","level":2,"score":0.4659000039100647},{"id":"https://openalex.org/C39896193","wikidata":"https://www.wikidata.org/wiki/Q380344","display_name":"Descriptive statistics","level":2,"score":0.46059998869895935},{"id":"https://openalex.org/C129047720","wikidata":"https://www.wikidata.org/wiki/Q175185","display_name":"Rural area","level":2,"score":0.448199987411499},{"id":"https://openalex.org/C2993791488","wikidata":"https://www.wikidata.org/wiki/Q676459","display_name":"Bank account","level":3,"score":0.4447000026702881},{"id":"https://openalex.org/C71104824","wikidata":"https://www.wikidata.org/wiki/Q1476639","display_name":"Structural equation modeling","level":2,"score":0.4081999957561493},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4049000144004822},{"id":"https://openalex.org/C103565092","wikidata":"https://www.wikidata.org/wiki/Q159421","display_name":"Savings account","level":2,"score":0.36250001192092896},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.3483999967575073},{"id":"https://openalex.org/C198327121","wikidata":"https://www.wikidata.org/wiki/Q7410163","display_name":"Sampling frame","level":3,"score":0.33649998903274536},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.33169999718666077},{"id":"https://openalex.org/C43214815","wikidata":"https://www.wikidata.org/wiki/Q7310987","display_name":"Reliability (semiconductor)","level":3,"score":0.31349998712539673},{"id":"https://openalex.org/C73945780","wikidata":"https://www.wikidata.org/wiki/Q814232","display_name":"Survey methodology","level":2,"score":0.3133000135421753},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.3124000132083893},{"id":"https://openalex.org/C2986226071","wikidata":"https://www.wikidata.org/wiki/Q22687","display_name":"Banking industry","level":2,"score":0.3098999857902527},{"id":"https://openalex.org/C2986840890","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial sector","level":2,"score":0.3068999946117401},{"id":"https://openalex.org/C198477413","wikidata":"https://www.wikidata.org/wiki/Q7647069","display_name":"Survey data collection","level":2,"score":0.303600013256073},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.30329999327659607},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2953000068664551},{"id":"https://openalex.org/C156152238","wikidata":"https://www.wikidata.org/wiki/Q1548025","display_name":"Retail banking","level":2,"score":0.28110000491142273},{"id":"https://openalex.org/C31266012","wikidata":"https://www.wikidata.org/wiki/Q6554340","display_name":"Linkage (software)","level":3,"score":0.26930001378059387},{"id":"https://openalex.org/C142546437","wikidata":"https://www.wikidata.org/wiki/Q2661195","display_name":"Descriptive research","level":2,"score":0.2612999975681305}],"mesh":[],"locations_count":1,"locations":[{"id":"pmh:oai:ojs.cjpa.com.ng:article/194","doi":null,"is_oa":true,"landing_page_url":"https://runjournalofmanagement.com/index.php/runjm/article/view/194","pdf_url":"https://runjournalofmanagement.com/index.php/runjm/article/download/194/137","source":{"id":"https://openalex.org/S7407077607","display_name":"RUN Journal of Management","issn_l":"3092-8443","issn":["3092-8443","3092-8451"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"3092-8443","raw_type":"info:eu-repo/semantics/article"}],"best_oa_location":{"id":"pmh:oai:ojs.cjpa.com.ng:article/194","doi":null,"is_oa":true,"landing_page_url":"https://runjournalofmanagement.com/index.php/runjm/article/view/194","pdf_url":"https://runjournalofmanagement.com/index.php/runjm/article/download/194/137","source":{"id":"https://openalex.org/S7407077607","display_name":"RUN Journal of Management","issn_l":"3092-8443","issn":["3092-8443","3092-8451"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"3092-8443","raw_type":"info:eu-repo/semantics/article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/10","score":0.7366999983787537,"display_name":"Reduced inequalities"},{"id":"https://metadata.un.org/sdg/8","score":0.5263000130653381,"display_name":"Decent work and economic growth"},{"id":"https://metadata.un.org/sdg/1","score":0.41670000553131104,"display_name":"No poverty"}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7220200470.pdf","grobid_xml":"https://content.openalex.org/works/W7220200470.grobid-xml"},"referenced_works_count":6,"referenced_works":["https://openalex.org/W2027591253","https://openalex.org/W2105846236","https://openalex.org/W2788597170","https://openalex.org/W3001812644","https://openalex.org/W3143024071","https://openalex.org/W4400343619"],"related_works":["https://openalex.org/W7134056637","https://openalex.org/W6949490675","https://openalex.org/W2888447848","https://openalex.org/W7155191928","https://openalex.org/W7075595946","https://openalex.org/W4406018994","https://openalex.org/W7082966636","https://openalex.org/W4283026196","https://openalex.org/W4413893586","https://openalex.org/W7172023551"],"abstract_inverted_index":{"Systematic":[0],"and":[1,34,108,116,156,200,226,231],"infrastructural":[2],"limitations":[3],"in":[4,7,85,97,158,216,218],"banking":[5,18,63,159,176,211,233],"system":[6],"the":[8,51,57,82,150,188,219],"rural":[9,66,79,220],"area":[10],"is":[11],"denoted":[12],"by":[13,41],"lack":[14],"of":[15,28,44,59,93,123],"access":[16,133,174,228],"to":[17,46,148,175,229],"services.":[19,160,212,234],"Financial":[20],"reforms":[21,61],"like":[22],"cashless":[23],"policy,":[24],"Naira":[25,165],"redesign,":[26],"linkage":[27],"National":[29],"Identity":[30],"Number":[31,37],"(NIN)to":[32],"accounts":[33],"Bank":[35,43],"Verification":[36],"(BVN)":[38],"were":[39,76,104,119],"implemented":[40],"Central":[42],"Nigeria":[45],"bring":[47],"more":[48],"people":[49],"into":[50],"financial":[52,60,132,153,214],"system.":[53],"This":[54],"study":[55],"investigated":[56],"impact":[58],"on":[62,131,173,210],"services":[64,177],"affecting":[65],"dwellers":[67,80],"using":[68,110,134,138],"a":[69,98,169],"survey":[70],"research":[71],"design.":[72],"376":[73],"valid":[74],"responses":[75],"collected":[77,95],"from":[78],"across":[81],"six":[83],"states":[84],"South-West":[86],"Nigeria.":[87],"questionnaire":[88,128],"was":[89,129,146],"used":[90,120],"an":[91],"instrument":[92],"data":[94,103,124],"structured":[96],"5points":[99],"Likert":[100],"scale.":[101],"The":[102,126,161],"tested":[105],"for":[106],"validity":[107],"reliability":[109],"AVE,":[111],"Fornell-Larcker,":[112],"HTMT.":[113],"Both":[114],"descriptive":[115],"inferential":[117],"statistics":[118],"as":[121],"methods":[122],"analysis.":[125],"A":[127],"distributed":[130],"sampling":[135],"techniques,":[136],"analyzed":[137],"Partial":[139],"Least":[140],"Squares.":[141],"Structural":[142],"Equation":[143],"Modeling":[144],"(PLS-SEM)":[145],"applied":[147],"analyze":[149],"relationship":[151],"between":[152],"reform":[154,225],"variables":[155],"inclusion":[157,215],"findings":[162],"reveal":[163],"that":[164],"Redesign":[166],"policy":[167],"had":[168],"significant":[170,208,217],"positive":[171],"effect":[172,209],"(\u03b2":[178],"=":[179,182,185,194,198,203],"0.305;":[180],"t":[181],"4.8;":[183],"p":[184],"0.01).":[186],"On":[187],"other":[189],"hand,":[190],"Cashless":[191],"Policy":[192],"(p":[193,197,202],"0.056),":[195],"BVN":[196],"0.871),":[199],"NIN":[201],"0.595)":[204],"did":[205],"not":[206],"demonstrate":[207],"While":[213],"area,":[221],"its":[222],"application":[223],"drives":[224],"create":[227],"effective":[230],"efficient":[232]},"counts_by_year":[],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2026-10-05T00:00:00"}