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Financial inclusion for people with disability: a scoping review
Louise Puli1, Natasha Layton1, Diane Bell2,3
1Monash Rehabilitation, Ageing and Independent Living Research Centre, Monash University, Melbourne, Australia.
Global Health Action
|May 10, 2024
Summary
Financial exclusion disproportionately affects people with disabilities in low- and middle-income countries (LMIC). Utilizing information and communication technologies (ICT) and multi-stakeholder collaboration can enhance financial inclusion and promote health equity.
Area of Science:
- Health Equity
- Disability Studies
- Financial Inclusion
- Information and Communication Technology (ICT)
Background:
- Financial exclusion is a significant human rights concern impacting health equity, particularly for individuals with disabilities in low- and middle-income countries (LMIC).
- Key barriers include limited service demand, inadequate banking services for people with disabilities, and insufficient access to information and communication technologies (ICT) and infrastructure.
- These challenges exacerbate financial exclusion, creating disparities in access to essential financial services.
Purpose of the Study:
- To identify barriers and facilitators of financial inclusion for people with disabilities in LMIC through a scoping review.
- To explore the potential of financial education and ICT utilization as strategies to improve financial inclusion for this population.
- To inform policy and practice for greater financial equity.
Main Methods:
- A scoping review was conducted using the Arksey and O'Malley framework and PRISMA Checklist.
- Systematic literature examination and data extraction were performed.
- Analysis was guided by the WHO's Environmental Factors to propose interventions and recommendations.
Main Results:
- Analysis of 26 publications across global regions and disciplines revealed consistent financial inclusion barriers for people with disabilities.
- Identified barriers span attitudes, environmental factors, technology access, service provision, and policy.
- A comprehensive set of global recommendations was developed.
Conclusions:
- Leveraging ICT, digital innovation, and multi-stakeholder collaboration is crucial to overcome financial barriers for people with disabilities.
- These interventions, grounded in social justice, aim to integrate individuals with disabilities as valued participants in financial sectors.
- The ultimate goal is to promote health, equity, and economic empowerment for people with disabilities in LMIC.
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