{"id":"https://openalex.org/W4415250587","doi":"https://doi.org/10.1145/3757539","title":"17 Years of Fintech for Financial Inclusion: A Systematic Review and Critical Value Analysis","display_name":"17 Years of Fintech for Financial Inclusion: A Systematic Review and Critical Value Analysis","publication_year":2025,"publication_date":"2025-10-16","ids":{"openalex":"https://openalex.org/W4415250587","doi":"https://doi.org/10.1145/3757539"},"language":"en","primary_location":{"id":"doi:10.1145/3757539","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3757539","pdf_url":null,"source":{"id":"https://openalex.org/S4210183893","display_name":"Proceedings of the ACM on Human-Computer Interaction","issn_l":"2573-0142","issn":["2573-0142"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319798","host_organization_name":"Association for Computing Machinery","host_organization_lineage":["https://openalex.org/P4310319798"],"host_organization_lineage_names":["Association for Computing Machinery"],"type":"journal"},"license":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the ACM on Human-Computer Interaction","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://doi.org/10.1145/3757539","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":null,"display_name":"Priyanka Verma","orcid":"https://orcid.org/0000-0002-1685-8576"},"institutions":[{"id":"https://openalex.org/I185261750","display_name":"University of Toronto","ror":"https://ror.org/03dbr7087","country_code":"CA","type":"education","lineage":["https://openalex.org/I185261750"]}],"countries":["CA"],"is_corresponding":true,"raw_author_name":"Priyanka Verma","raw_affiliation_strings":["University of Toronto, Toronto, ON, Canada"],"raw_orcid":"https://orcid.org/0000-0002-1685-8576","affiliations":[{"raw_affiliation_string":"University of Toronto, Toronto, ON, Canada","institution_ids":["https://openalex.org/I185261750"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5101397764","display_name":"Christoph Becker","orcid":"https://orcid.org/0000-0002-8364-0593"},"institutions":[{"id":"https://openalex.org/I185261750","display_name":"University of Toronto","ror":"https://ror.org/03dbr7087","country_code":"CA","type":"education","lineage":["https://openalex.org/I185261750"]}],"countries":["CA"],"is_corresponding":false,"raw_author_name":"Christoph Becker","raw_affiliation_strings":["University of Toronto, Toronto, ON, Canada"],"raw_orcid":"https://orcid.org/0000-0002-8364-0593","affiliations":[{"raw_affiliation_string":"University of Toronto, Toronto, ON, Canada","institution_ids":["https://openalex.org/I185261750"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5066724322","display_name":"Samar Sabie","orcid":"https://orcid.org/0000-0001-9904-6081"},"institutions":[{"id":"https://openalex.org/I185261750","display_name":"University of Toronto","ror":"https://ror.org/03dbr7087","country_code":"CA","type":"education","lineage":["https://openalex.org/I185261750"]}],"countries":["CA"],"is_corresponding":false,"raw_author_name":"Samar Sabie","raw_affiliation_strings":["University of Toronto, Mississauga, ON, Canada"],"raw_orcid":"https://orcid.org/0000-0001-9904-6081","affiliations":[{"raw_affiliation_string":"University of Toronto, Mississauga, ON, Canada","institution_ids":["https://openalex.org/I185261750"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I185261750"],"apc_list":null,"apc_paid":null,"fwci":4.0614,"has_fulltext":false,"cited_by_count":2,"citation_normalized_percentile":{"value":0.94639844,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":91,"max":98},"biblio":{"volume":"9","issue":"7","first_page":"1","last_page":"33"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9979000091552734,"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"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9979000091552734,"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"}},{"id":"https://openalex.org/T13194","display_name":"ICT in Developing Communities","score":0.996399998664856,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9926999807357788,"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"}}],"keywords":[{"id":"https://openalex.org/keywords/underpinning","display_name":"Underpinning","score":0.7967000007629395},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"Financial inclusion","score":0.5533999800682068},{"id":"https://openalex.org/keywords/work","display_name":"Work (physics)","score":0.534600019454956},{"id":"https://openalex.org/keywords/reflexivity","display_name":"Reflexivity","score":0.5056999921798706},{"id":"https://openalex.org/keywords/financial-analysis","display_name":"Financial analysis","score":0.4691999852657318},{"id":"https://openalex.org/keywords/thematic-analysis","display_name":"Thematic analysis","score":0.4564000070095062},{"id":"https://openalex.org/keywords/value","display_name":"Value (mathematics)","score":0.4415999948978424},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.43700000643730164}],"concepts":[{"id":"https://openalex.org/C2780871342","wikidata":"https://www.wikidata.org/wiki/Q7883752","display_name":"Underpinning","level":2,"score":0.7967000007629395},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.5533999800682068},{"id":"https://openalex.org/C18762648","wikidata":"https://www.wikidata.org/wiki/Q42213","display_name":"Work (physics)","level":2,"score":0.534600019454956},{"id":"https://openalex.org/C13200473","wikidata":"https://www.wikidata.org/wiki/Q2747831","display_name":"Reflexivity","level":2,"score":0.5056999921798706},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4860000014305115},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.4691999852657318},{"id":"https://openalex.org/C74196892","wikidata":"https://www.wikidata.org/wiki/Q7781188","display_name":"Thematic analysis","level":3,"score":0.4564000070095062},{"id":"https://openalex.org/C2776291640","wikidata":"https://www.wikidata.org/wiki/Q2912517","display_name":"Value (mathematics)","level":2,"score":0.4415999948978424},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.43700000643730164},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4235999882221222},{"id":"https://openalex.org/C27415008","wikidata":"https://www.wikidata.org/wiki/Q7256382","display_name":"Psychological intervention","level":2,"score":0.42160001397132874},{"id":"https://openalex.org/C23925645","wikidata":"https://www.wikidata.org/wiki/Q5449731","display_name":"Financial modeling","level":2,"score":0.40459999442100525},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.39079999923706055},{"id":"https://openalex.org/C2777747085","wikidata":"https://www.wikidata.org/wiki/Q5449743","display_name":"Financial sector development","level":3,"score":0.3244999945163727},{"id":"https://openalex.org/C71199308","wikidata":"https://www.wikidata.org/wiki/Q2990807","display_name":"Accounting management","level":3,"score":0.3188999891281128},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.31850001215934753},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.2937000095844269},{"id":"https://openalex.org/C67363961","wikidata":"https://www.wikidata.org/wiki/Q5268834","display_name":"Information and Communications Technology","level":2,"score":0.2825999855995178},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.27489998936653137},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.27250000834465027},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.27000001072883606},{"id":"https://openalex.org/C191654821","wikidata":"https://www.wikidata.org/wiki/Q247506","display_name":"Financial instrument","level":2,"score":0.263700008392334},{"id":"https://openalex.org/C207267971","wikidata":"https://www.wikidata.org/wiki/Q120208","display_name":"Emerging technologies","level":2,"score":0.25760000944137573}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1145/3757539","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3757539","pdf_url":null,"source":{"id":"https://openalex.org/S4210183893","display_name":"Proceedings of the ACM on Human-Computer Interaction","issn_l":"2573-0142","issn":["2573-0142"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319798","host_organization_name":"Association for Computing Machinery","host_organization_lineage":["https://openalex.org/P4310319798"],"host_organization_lineage_names":["Association for Computing Machinery"],"type":"journal"},"license":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the ACM on Human-Computer Interaction","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.1145/3757539","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3757539","pdf_url":null,"source":{"id":"https://openalex.org/S4210183893","display_name":"Proceedings of the ACM on Human-Computer Interaction","issn_l":"2573-0142","issn":["2573-0142"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319798","host_organization_name":"Association for Computing Machinery","host_organization_lineage":["https://openalex.org/P4310319798"],"host_organization_lineage_names":["Association for Computing Machinery"],"type":"journal"},"license":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the ACM on Human-Computer Interaction","raw_type":"journal-article"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":157,"referenced_works":["https://openalex.org/W120176067","https://openalex.org/W137484003","https://openalex.org/W189620268","https://openalex.org/W1119960297","https://openalex.org/W1510976285","https://openalex.org/W1535357018","https://openalex.org/W1800478330","https://openalex.org/W1970325053","https://openalex.org/W1978138693","https://openalex.org/W1979290264","https://openalex.org/W1992925306","https://openalex.org/W1995812720","https://openalex.org/W1997922838","https://openalex.org/W2005640319","https://openalex.org/W2006447892","https://openalex.org/W2023436320","https://openalex.org/W2045062362","https://openalex.org/W2049124404","https://openalex.org/W2055020826","https://openalex.org/W2055396992","https://openalex.org/W2062620634","https://openalex.org/W2064988333","https://openalex.org/W2069887182","https://openalex.org/W2070096437","https://openalex.org/W2070247381","https://openalex.org/W2077693216","https://openalex.org/W2082166612","https://openalex.org/W2084060958","https://openalex.org/W2095118384","https://openalex.org/W2095709171","https://openalex.org/W2098652735","https://openalex.org/W2103846182","https://openalex.org/W2106873227","https://openalex.org/W2107175911","https://openalex.org/W2130645129","https://openalex.org/W2133369086","https://openalex.org/W2136764359","https://openalex.org/W2138849909","https://openalex.org/W2145683959","https://openalex.org/W2149374997","https://openalex.org/W2152805860","https://openalex.org/W2156098321","https://openalex.org/W2159948904","https://openalex.org/W2166050198","https://openalex.org/W2169454125","https://openalex.org/W2178985861","https://openalex.org/W2296463440","https://openalex.org/W2314472560","https://openalex.org/W2316978232","https://openalex.org/W2336481781","https://openalex.org/W2397482677","https://openalex.org/W2405560447","https://openalex.org/W2405932006","https://openalex.org/W2406024558","https://openalex.org/W2419068286","https://openalex.org/W2489677986","https://openalex.org/W2519450611","https://openalex.org/W2537247012","https://openalex.org/W2558574039","https://openalex.org/W2588125680","https://openalex.org/W2610576994","https://openalex.org/W2611645295","https://openalex.org/W2611651185","https://openalex.org/W2626031700","https://openalex.org/W2626146470","https://openalex.org/W2741247118","https://openalex.org/W2742827529","https://openalex.org/W2771037979","https://openalex.org/W2775574383","https://openalex.org/W2795403234","https://openalex.org/W2795619128","https://openalex.org/W2796158690","https://openalex.org/W2808781922","https://openalex.org/W2809093729","https://openalex.org/W2809213264","https://openalex.org/W2884796378","https://openalex.org/W2897702578","https://openalex.org/W2898987341","https://openalex.org/W2899010376","https://openalex.org/W2899475854","https://openalex.org/W2909692215","https://openalex.org/W2911013585","https://openalex.org/W2911428659","https://openalex.org/W2940556245","https://openalex.org/W2941359468","https://openalex.org/W2946268101","https://openalex.org/W2963144337","https://openalex.org/W2969313303","https://openalex.org/W2976799000","https://openalex.org/W2983966980","https://openalex.org/W2985049571","https://openalex.org/W2986074609","https://openalex.org/W3000496497","https://openalex.org/W3001554335","https://openalex.org/W3009017693","https://openalex.org/W3022598521","https://openalex.org/W3032812548","https://openalex.org/W3036645158","https://openalex.org/W3038655483","https://openalex.org/W3081139230","https://openalex.org/W3094070178","https://openalex.org/W3095509475","https://openalex.org/W3111165481","https://openalex.org/W3126041325","https://openalex.org/W3134079238","https://openalex.org/W3136055947","https://openalex.org/W3158102973","https://openalex.org/W3158191355","https://openalex.org/W3159957417","https://openalex.org/W3163480183","https://openalex.org/W3174220540","https://openalex.org/W3199071223","https://openalex.org/W3203155100","https://openalex.org/W3204381935","https://openalex.org/W4206355241","https://openalex.org/W4225136175","https://openalex.org/W4225143251","https://openalex.org/W4226461931","https://openalex.org/W4282576856","https://openalex.org/W4282976441","https://openalex.org/W4283453847","https://openalex.org/W4292184070","https://openalex.org/W4293580360","https://openalex.org/W4297970715","https://openalex.org/W4300003134","https://openalex.org/W4308569015","https://openalex.org/W4309618886","https://openalex.org/W4313148733","https://openalex.org/W4366003784","https://openalex.org/W4366004209","https://openalex.org/W4366547557","https://openalex.org/W4366549125","https://openalex.org/W4366581812","https://openalex.org/W4366587379","https://openalex.org/W4366587741","https://openalex.org/W4366598198","https://openalex.org/W4366598748","https://openalex.org/W4366762602","https://openalex.org/W4383679903","https://openalex.org/W4385679575","https://openalex.org/W4386864859","https://openalex.org/W4387344803","https://openalex.org/W4388116395","https://openalex.org/W4392011783","https://openalex.org/W4394004323","https://openalex.org/W4395475227","https://openalex.org/W4396230910","https://openalex.org/W4396230926","https://openalex.org/W4396831953","https://openalex.org/W4396832317","https://openalex.org/W4396833595","https://openalex.org/W4396833717","https://openalex.org/W4400143247","https://openalex.org/W4404173532","https://openalex.org/W4409736054","https://openalex.org/W4409736071","https://openalex.org/W4413062211"],"related_works":[],"abstract_inverted_index":{"The":[0],"use":[1],"of":[2,12,32,40,43,73,113,128,143],"ICT":[3],"tools":[4],"and":[5,24,51,57,79,87,120,136],"platforms":[6],"to":[7,66,98],"support":[8],"the":[9,29,41,71,77,83,88,100,141],"financial":[10,35,45,62,74,134,144],"practices":[11],"underserved":[13],"communities":[14],"has":[15],"been":[16,22],"growing,":[17],"but":[18],"on-ground":[19],"experiences":[20],"have":[21],"mixed":[23],"sometimes":[25],"detrimental.":[26],"To":[27],"achieve":[28],"potential":[30],"benefits":[31],"technologies":[33,75],"for":[34,61],"inclusion,":[36],"a":[37,94,111,125],"deeper":[38],"understanding":[39],"design":[42,142],"digital":[44],"interventions":[46,60],"is":[47],"essential.":[48],"We":[49],"systematically":[50],"critically":[52],"reviewed":[53],"studies":[54],"that":[55,139],"developed":[56],"implemented":[58],"technological":[59],"inclusion":[63],"from":[64],"2007":[65],"2024.":[67],"Our":[68,122],"analysis":[69,97],"examines":[70],"types":[72],"developed,":[76],"devices":[78],"technical":[80,132],"channels":[81],"used,":[82],"research":[84],"methodologies":[85],"employed,":[86],"target":[89],"populations.":[90],"Additionally,":[91],"we":[92,109],"conducted":[93],"reflexive":[95],"thematic":[96],"investigate":[99],"values":[101],"underpinning":[102],"these":[103],"studies.":[104],"By":[105],"analyzing":[106],"30":[107],"articles,":[108],"interpreted":[110],"total":[112],"13":[114],"value":[115],"themes-including":[116],"trust,":[117],"accessibility,":[118],"robustness,":[119],"compatibility.":[121],"work":[123],"highlights":[124],"complex":[126],"interplay":[127],"values,":[129],"structural":[130],"considerations,":[131],"attributes,":[133],"practices,":[135],"economic":[137],"factors":[138],"underlie":[140],"technologies.":[145]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":1}],"updated_date":"2025-11-06T03:46:38.306776","created_date":"2025-10-16T00:00:00"}