المجلة الدولية للاداء الاقتصادي
Volume 8, Numéro 2, Pages 228-250
2025-12-20

Assessing The Dynamics Of Fintech And Financial Inclusion In Reducing Inequality In Malaysia: A Bayesian-wavelet Approach



Authors : Boulila Hadjer . Benbekhti Seyf Eddine . Metadjer Widad .

Abstract

This paper examines the impact of FinTech on financial inclusion and inequality reduction in Malaysia within the framework of the sustainable development goal SDG 10 (reducing inequalities). Using a Bayesian VAR model and wavelet coherence analysis (2004–2022), the study analyzes dynamic links between FinTech, inclusion, inequality, and growth. A FinTech Adoption Index (PCA) and a novel Financial Inclusion Index are constructed. Results reveal bidirectional causality, with FinTech and inclusion jointly reducing disparities and fostering inclusive growth. Policy implications highlight the need for inclusive ecosystems, literacy programs, and adaptive regulation.

Keywords

Fintech ; Financial Inclusion ; SDG10 ; Inequality ; Bayesian VAR ; Wavelet ; Malaysia

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