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The role of financial inclusion and ICTs in shaping inclusive growth: A bibliometric analysis of past, present, and future trends

Jurnal Perspektif Pembiayaan dan Pembangunan Daerah · Vol. 14 No. 1 (2026) · pp. 40–57

DOI
10.22437/ppd.v14i1.44019
ISSN
2355-8520, 2338-4603
Published
2026-04-30
Publisher
Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi
Language
en
License
creativecommons.org/licenses/by/4.0

Abstract

This study conducts a comprehensive bibliometric analysis to map and review the scientific literature on the role of financial inclusion (FI) and information and communication technologies (ICTs) in fostering inclusive growth, using the Scopus database. Although previous studies have examined FI, ICTs, and inclusive growth separately, few have systematically integrated their intellectual structures into a unified framework. The bibliometric analysis includes co-citation, bibliographic coupling, and co-word analyses, supported by VOSviewer software. The findings indicate that digital finance plays a significant role in driving financial inclusion and inclusive growth. Current research shows that financial inclusion reduces poverty and income inequality, while ICTs promote economic growth and innovation in fintech and digital financial systems. Emerging themes, including digital financial inclusion, fintech, microfinance, innovation, and sustainability, represent important research trends and future directions. Overall, the integrated findings demonstrate the growing role of digitally enabled financial systems in supporting inclusive economic development.

Keywords

Collaboration network of the authors

10 authors · 13 co-authorship links

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Sam Ratulangi University
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Harubali HarubaliAffiliation unknown1
Damhuri DamhuriAffiliation unknown1
Safilu SafiluAffiliation unknown1
Irma NurjannahAffiliation unknown1
Santi SantiAffiliation unknown1
Agung SutrisnoSam Ratulangi University1
Lilis Dwi Sapta AprilyaniAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/JES/oai, first harvested 6 Nov 2026, last seen 6 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en">The role of financial inclusion and ICTs in shaping inclusive growth: A bibliometric analysis of past, present, and future trends</dc:title>
	<dc:creator xml:lang="en">Amaluddin, Amaluddin</dc:creator>
	<dc:creator xml:lang="en">Leasiwal, Teddy Christianto</dc:creator>
	<dc:creator xml:lang="en">Manuhutu, Yerimias</dc:creator>
	<dc:subject xml:lang="en">Bibliometric analysis</dc:subject>
	<dc:subject xml:lang="en">Digital finance</dc:subject>
	<dc:subject xml:lang="en">Financial inclusion</dc:subject>
	<dc:subject xml:lang="en">ICTs</dc:subject>
	<dc:subject xml:lang="en">Inclusive growth</dc:subject>
	<dc:description xml:lang="en">This study conducts a comprehensive bibliometric analysis to map and review the scientific literature on the role of financial inclusion (FI) and information and communication technologies (ICTs) in fostering inclusive growth, using the Scopus database. Although previous studies have examined FI, ICTs, and inclusive growth separately, few have systematically integrated their intellectual structures into a unified framework. The bibliometric analysis includes co-citation, bibliographic coupling, and co-word analyses, supported by VOSviewer software. The findings indicate that digital finance plays a significant role in driving financial inclusion and inclusive growth. Current research shows that financial inclusion reduces poverty and income inequality, while ICTs promote economic growth and innovation in fintech and digital financial systems. Emerging themes, including digital financial inclusion, fintech, microfinance, innovation, and sustainability, represent important research trends and future directions. Overall, the integrated findings demonstrate the growing role of digitally enabled financial systems in supporting inclusive economic development.</dc:description>
	<dc:publisher xml:lang="en">Program Magister Ilmu Ekonomi  Pascasarjana Universitas Jambi</dc:publisher>
	<dc:date>2026-04-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://online-journal.unja.ac.id/JES/article/view/44019</dc:identifier>
	<dc:identifier>10.22437/ppd.v14i1.44019</dc:identifier>
	<dc:source xml:lang="en">Jurnal Perspektif Pembiayaan dan Pembangunan Daerah; Vol. 14 No. 1 (2026): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah; 40-57</dc:source>
	<dc:source>2355-8520</dc:source>
	<dc:source>2338-4603</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://online-journal.unja.ac.id/JES/article/view/44019/24190</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Amaluddin Amaluddin, Teddy Christianto Leasiwal, Yerimias Manuhutu</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
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