Amidst concerns about percentages of households that remain unbanked or underbanked, policy endeavors have emerged to promote financial inclusion by making financial products such as savings accounts readily available. While these endeavors have primarily concentrated on households, young people may be the front lines of financial inclusion because they may be more likely to be banked in young adulthood and beyond when they start off with savings accounts earlier in life. This article addresses young people's financial inclusion by comprehensively reviewing 60 research studies on young people's savings, discussing the role of the family in young people's financial inclusion, discussing financial inclusion from an institutional perspective, presenting policy implications, and identifying gaps in knowledge and opportunities for research. Policies that open savings accounts for young people early in life may be a promising strategy for extending financial inclusion and preventing unbanked or underbanked status later in life.
Friedline, T., & Rauktis, M. (2014). Young people are the front lines of financial inclusion: A review of 45 years of research. Journal of Consumer Affairs, 48(3), 535-602.
"Katika wasiwasi kuhusu asilimia ya kaya ambazo bado hazina benki au hazina benki, juhudi za sera zimetokea kukuza ujumuishaji wa kifedha kwa kufanya bidhaa za kifedha kama vile akaunti za akiba ziwe karibu. """ Ingawa juhudi hizi zimezingatia hasa kaya, vijana wanaweza kuwa mstari wa mbele wa ujumuishaji wa kifedha kwa sababu wanaweza kuwa na uwezekano mkubwa wa kuwa na benki katika utu uzima mdogo na zaidi wakati wanaanza na akaunti za akiba mapema maishani. Makala hii inazungumzia ujumuishaji wa kifedha wa vijana kwa kupitia kwa kina masomo ya utafiti 60 juu ya akiba ya vijana, kujadili jukumu la familia katika ujumuishaji wa kifedha wa vijana, kujadili ujumuishaji wa kifedha kutoka kwa mtazamo wa taasisi, kuwasilisha athari za sera, na kutambua mapungufu katika maarifa na fursa za utafiti. Sera ambazo hufungua akaunti za akiba kwa vijana mapema maishani zinaweza kuwa mkakati wa kuahidi kupanua ujumuishaji wa kifedha na kuzuia hali ya kutokuwa na benki au chini ya benki baadaye maishani. Friedline, T., & Rauktis, M. (2014). Vijana ni mstari wa mbele wa ujumuishaji wa kifedha: Mapitio ya miaka 45 ya utafiti. Journal of Consumer Affairs, 48 (3) (535) 602.