A range of factors influence which financial services people use. These include the factors of cost and distance as well as those such as literacy, income source and gender. In order to develop policies to expand access and use, policy-makers need to have an understanding of these factors – socio-economic, demographic and geographic – and how they operate to include or exclude people from the financial sector. This report uses data from the FinAccess Survey 2006 to analyse these influences on inclusion and exclusion.
Johnson, S. (2008). Financial exclusion in Kenya: An analysis of financial service use. Nairobi, Kenya: FSD Kenya.