Mobile phones boost financial inclusivity in Cambodia – paper

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Mobile phones have significantly increased the proportion of people financially included in Cambodia’s economy, according to a paper published by the country’s central bank.

In their paper, Financial inclusion: are mobile phones helpful in Cambodia?, Kimty Seng and Sok Heng Lay conclude members of the public who have a mobile phone are more likely to have a formal account, savings account and credit account.

“The findings reveal that the marginal effect of smartphones on financial inclusion is

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