<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0120-6346</journal-id>
<journal-title><![CDATA[Semestre Económico]]></journal-title>
<abbrev-journal-title><![CDATA[Semest. Econ.]]></abbrev-journal-title>
<issn>0120-6346</issn>
<publisher>
<publisher-name><![CDATA[Universidad de Medellín]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0120-63462020000200183</article-id>
<article-id pub-id-type="doi">10.22395/seec.v23n55a8</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Revisión bibliográfica sobre inclusión financiera como estrategia de recuperación y de crecimiento fintech]]></article-title>
<article-title xml:lang="en"><![CDATA[LITERATURE REVIEW ON FINANCIAL INCLUSION AS A RECOVERY AND GROWTH STRATEGY FINTECH]]></article-title>
<article-title xml:lang="pt"><![CDATA[REVISÃO LITERÁRIA SOBRE INCLUSÃO FINANCEIRA COMO ESTRATÉGIA PARA ESTRATÉGIA DE RECUPERAÇÃO E CRESCIMENTO DA FINTECH]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Cardona Valencia]]></surname>
<given-names><![CDATA[Daniel]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad de Medellín  ]]></institution>
<addr-line><![CDATA[Medellín ]]></addr-line>
<country>Colombia</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2020</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2020</year>
</pub-date>
<volume>23</volume>
<numero>55</numero>
<fpage>183</fpage>
<lpage>203</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0120-63462020000200183&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0120-63462020000200183&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0120-63462020000200183&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN El presente artículo pretende dar un acercamiento a la inclusión financiera digital desde la visión post-COVID-19 como posible herramienta de desarrollo y resiliencia. Mediante un seguimiento bibliográfico de análisis institucionales, investigaciones académicas e informes de entidades relevantes, se hace un mapeamiento de los aportes y recomendaciones sobre la temática en materia de recuperación económica. En los resultados se confirma la trascendencia de la inclusión financiera digital como elemento aportante a la reconstrucción y fortalecimiento del flujo económico y del tejido financiero, y se proponen acciones para su correcta adopción. CLASIFICACIONES JEL G23, G32, G41 CONTENIDO Introducción; 1. Antecedentes; 2. Metodología; 3. Resultados; 4. Conclusiones y Discusiones; Bibliografía.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT This article aims to provide an approach to digital financial inclusion based on the post-COVID-19 vision as a potential tool for development and resilience. Based on a bibliographic follow-up of institutional analyses, academic research and reports from relevant entities, a mapping of the contributions and recommendations about economic recovery is made. The results confirm the importance of digital financial inclusion as a contributor to the reconstruction and strengthening of the financial system, and actions for proper adoption are suggested. CONTENIDO Introduction; 1. background; 2. methodology; 3. results; 4. conclusions and discussions; Bibliography.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[RESUMO Este artigo visa proporcionar uma abordagem da inclusão financeira digital a partir da visão pós-fintech como uma ferramenta possível para o desenvolvimento e a resiliência. COVID-19 como uma ferramenta possível para o desenvolvimento e a resiliência. Através de um acompanhamento bibliográfico das instituições de análise institucional, pesquisas académicas e relatórios de entidades relevantes, um mapeamento das contribuições para mapeamento das contribuições e recomendações sobre o tema em termos de recuperação económica. recuperação. Os resultados confirmam a importância da inclusão financeira digital como um elemento que contribui para a reconstrução e o fortalecimento da economia. e o fortalecimento do fluxo económico e do tecido financeiro, e propõe ações para sua correta adoção. CLASSIFICAÇÕES DE JEL G23, G32, G41 CONTEÚDO Introdução; 1. antecedentes; 2. metodologia; 3. resultados; 4. Conclusões e Discussões; Bibliografia.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Instituciones Financieras]]></kwd>
<kwd lng="es"><![CDATA[Educación Financiera]]></kwd>
<kwd lng="es"><![CDATA[Decisiones Financieras]]></kwd>
<kwd lng="es"><![CDATA[Fintech]]></kwd>
<kwd lng="es"><![CDATA[Inclusión Financiera]]></kwd>
<kwd lng="en"><![CDATA[Financial Institutions]]></kwd>
<kwd lng="en"><![CDATA[Financial Literacy]]></kwd>
<kwd lng="en"><![CDATA[Financial Decisions]]></kwd>
<kwd lng="en"><![CDATA[Fintech]]></kwd>
<kwd lng="en"><![CDATA[Financial Inclusion]]></kwd>
<kwd lng="pt"><![CDATA[Instituições Financeiras]]></kwd>
<kwd lng="pt"><![CDATA[Educação Financeira]]></kwd>
<kwd lng="pt"><![CDATA[Decisões Financeiras]]></kwd>
<kwd lng="pt"><![CDATA[Fintech]]></kwd>
<kwd lng="pt"><![CDATA[Inclusão Financeira]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Akhtaruzzaman]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Boubaker]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Sensoy]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial contagion during COVlD-19 crisis]]></article-title>
<source><![CDATA[Finance Research Letters]]></source>
<year>2020</year>
<numero>34</numero>
<issue>34</issue>
<page-range>1-20</page-range></nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Al-Awadhi]]></surname>
<given-names><![CDATA[A. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Alsaifi]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Al-Awadhi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Alhammadi]]></surname>
<given-names><![CDATA[S]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Death and contagious infectious diseases: Impact of the COVlD-19 virus on stock market returns]]></article-title>
<source><![CDATA[Journal of Behavioral and Experimental Finance]]></source>
<year>2020</year>
<numero>27</numero>
<issue>27</issue>
<page-range>1-5</page-range></nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Arner]]></surname>
<given-names><![CDATA[D. W.]]></given-names>
</name>
<name>
<surname><![CDATA[Buckley]]></surname>
<given-names><![CDATA[R. P.]]></given-names>
</name>
<name>
<surname><![CDATA[Zetzsche]]></surname>
<given-names><![CDATA[D. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Veidt]]></surname>
<given-names><![CDATA[R]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Sustainability, FinTech and Financial Inclusion]]></article-title>
<source><![CDATA[European Business Organization Law Review]]></source>
<year>2020</year>
<volume>21</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>1-5</page-range></nlm-citation>
</ref>
<ref id="B4">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ashraf]]></surname>
<given-names><![CDATA[B. N]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Stock markets' reaction to COVlD-19: Cases or fatalities?]]></article-title>
<source><![CDATA[Research in International Business and Finance]]></source>
<year>2020</year>
<volume>54</volume>
<numero>101249</numero>
<issue>101249</issue>
<page-range>1-7</page-range></nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Behravesh]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
<name>
<surname><![CDATA[Rocha]]></surname>
<given-names><![CDATA[E. W]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Interim Global Economic Forecast]]></article-title>
<source><![CDATA[IHS Markit]]></source>
<year>2020</year>
</nlm-citation>
</ref>
<ref id="B6">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Brown]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Rocha]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Cowling]]></surname>
<given-names><![CDATA[M]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financing entrepreneurship in times of crisis: Exploring the impact of COVlD-19 on the market for entrepreneurial finance in the United Kingdom]]></article-title>
<source><![CDATA[International Small Business Journal: Researching Entrepreneurship]]></source>
<year>2020</year>
<volume>38</volume>
<numero>5</numero>
<issue>5</issue>
<page-range>380-90</page-range></nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Bull]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
<name>
<surname><![CDATA[Chen]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Chiselita]]></surname>
<given-names><![CDATA[D]]></given-names>
</name>
</person-group>
<source><![CDATA[Global FinTech Adoption Index 2019]]></source>
<year>2019</year>
<publisher-name><![CDATA[Ernst &amp; Young]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Cavallo]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Galiani]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Noy]]></surname>
<given-names><![CDATA[l.]]></given-names>
</name>
<name>
<surname><![CDATA[Pantano]]></surname>
<given-names><![CDATA[J]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Catastrophic natural disasters and economic growth]]></article-title>
<source><![CDATA[Review of Economics and Statistics]]></source>
<year>2013</year>
<volume>95</volume>
<numero>5</numero>
<issue>5</issue>
<page-range>1549-61</page-range></nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Cavoli]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
<name>
<surname><![CDATA[Gopalan]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Rajan]]></surname>
<given-names><![CDATA[R. S]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Does Financial lnclusion Amplify Output Volatility in Emerging and Developing Economies?]]></article-title>
<source><![CDATA[Open Economies Review]]></source>
<year>2020</year>
<volume>31</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>901-30</page-range></nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Chattopadhyay]]></surname>
<given-names><![CDATA[S. K]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial lnclusion in lndia: A Case Study of West Bengal]]></article-title>
<source><![CDATA[Reserve Bank of India Working Paper]]></source>
<year>2011</year>
<volume>2</volume>
<numero>8</numero>
<issue>8</issue>
<page-range>1-42</page-range></nlm-citation>
</ref>
<ref id="B11">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Demir]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Pesqué-Cela]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
<name>
<surname><![CDATA[Altunbas]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
<name>
<surname><![CDATA[Murinde]]></surname>
<given-names><![CDATA[V]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Fintech, financial inclusion and income inequality: a quantile regression approach]]></article-title>
<source><![CDATA[European Journal of Finance]]></source>
<year>2020</year>
<volume>26</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>297-301</page-range></nlm-citation>
</ref>
<ref id="B12">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Díaz]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
<name>
<surname><![CDATA[Sosa]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Ortiz]]></surname>
<given-names><![CDATA[E]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[lnclusión Financiera y ahorro en México: un análisis logístico binario y de redes neuronales artificiales]]></article-title>
<source><![CDATA[Estocástica: Finanzas y Riesgo]]></source>
<year>2018</year>
<volume>8</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>53-84</page-range></nlm-citation>
</ref>
<ref id="B13">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Dorfleitner]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Hornuf]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Schmitt]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Weber]]></surname>
<given-names><![CDATA[M]]></given-names>
</name>
</person-group>
<source><![CDATA[The FinTech market in Germany]]></source>
<year>2017</year>
<publisher-name><![CDATA[FinTech in Germany. Springer]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B14">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Fisch]]></surname>
<given-names><![CDATA[J. E.]]></given-names>
</name>
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Hasler]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Defined Contribution Plans and the Challenge of Financial llliteracy]]></article-title>
<source><![CDATA[SSRN Electronic Journal]]></source>
<year>2019</year>
<volume>103</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>19-22</page-range></nlm-citation>
</ref>
<ref id="B15">
<nlm-citation citation-type="">
<collab>G20</collab>
<source><![CDATA[G20 Principles for lnnovative Financial lnclusion. Alliance for Financial lnclusion]]></source>
<year>2011</year>
</nlm-citation>
</ref>
<ref id="B16">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Gabor]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Brooks]]></surname>
<given-names><![CDATA[S]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The digital revolution in financial inclusion: international development in the fintech era]]></article-title>
<source><![CDATA[New Political Economy]]></source>
<year>2017</year>
<volume>22</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>423-36</page-range></nlm-citation>
</ref>
<ref id="B17">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Goodell]]></surname>
<given-names><![CDATA[J. W]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[COVID-19 and finance: Agendas for future research]]></article-title>
<source><![CDATA[Finance Research Letters]]></source>
<year>2020</year>
<numero>35</numero>
<issue>35</issue>
<page-range>1-5</page-range></nlm-citation>
</ref>
<ref id="B18">
<nlm-citation citation-type="">
<collab>GPFI</collab>
<source><![CDATA[G20 Financial Inclusion Action Plan. Global Partnership for Financial Inclusion]]></source>
<year>2011</year>
</nlm-citation>
</ref>
<ref id="B19">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Hall]]></surname>
<given-names><![CDATA[M. C]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Publish and perish? Bibliometric analysis, journal ranking and the assessment of research quality in tourism]]></article-title>
<source><![CDATA[Tourism Management]]></source>
<year>2011</year>
<volume>32</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>16-27</page-range></nlm-citation>
</ref>
<ref id="B20">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Hannig]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Jansen]]></surname>
<given-names><![CDATA[S]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial inclusion and financial stability: Current policy issues]]></article-title>
<source><![CDATA[Financial Market Regulation and Reforms in Emerging Markets]]></source>
<year>2011</year>
<volume>1</volume>
<numero>259</numero>
<issue>259</issue>
<page-range>1-34</page-range></nlm-citation>
</ref>
<ref id="B21">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Igual Molina]]></surname>
<given-names><![CDATA[D]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Las fintech y la reinvención de las finanzas]]></article-title>
<source><![CDATA[Oikonomics]]></source>
<year>2019</year>
<numero>10</numero>
<issue>10</issue>
<page-range>22-44</page-range></nlm-citation>
</ref>
<ref id="B22">
<nlm-citation citation-type="">
<collab>International Monetary Fund</collab>
<source><![CDATA[World Economic Outlook: Legacies, Clouds, Uncertainties]]></source>
<year>2014</year>
<volume>3</volume>
</nlm-citation>
</ref>
<ref id="B23">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lagoarde-Segot]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
<name>
<surname><![CDATA[Leoni]]></surname>
<given-names><![CDATA[P. L]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Pandemics of the poor and banking stability]]></article-title>
<source><![CDATA[Journal of Banking and Finance]]></source>
<year>2013</year>
<volume>37</volume>
<numero>11</numero>
<issue>11</issue>
<page-range>4574-83</page-range></nlm-citation>
</ref>
<ref id="B24">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Li]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Wu]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
<name>
<surname><![CDATA[Xiao]]></surname>
<given-names><![CDATA[J. J]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The impact of digital finance on household consumption: Evidence from China]]></article-title>
<source><![CDATA[Economic Modelling]]></source>
<year>2020</year>
<numero>86</numero>
<issue>86</issue>
<page-range>317-26</page-range></nlm-citation>
</ref>
<ref id="B25">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Tufano]]></surname>
<given-names><![CDATA[P]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Debt literacy, financial experiences, and overindebtedness]]></article-title>
<source><![CDATA[Journal of Pension Economics and Finance]]></source>
<year>2015</year>
<volume>14</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>332-68</page-range></nlm-citation>
</ref>
<ref id="B26">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Hasler]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Yakoboski]]></surname>
<given-names><![CDATA[P. J]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Building up financial literacy and financial resilience]]></article-title>
<source><![CDATA[Mind and Society]]></source>
<year>2020</year>
<volume>19</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>1-7</page-range></nlm-citation>
</ref>
<ref id="B27">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Nizam]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Karim]]></surname>
<given-names><![CDATA[Z. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Rahman]]></surname>
<given-names><![CDATA[A. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Sarmidi]]></surname>
<given-names><![CDATA[T]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial inclusiveness and economic growth: new evidence using a threshold regression analysis]]></article-title>
<source><![CDATA[Economic Research-Ekonomska Istrazivanja]]></source>
<year>2020</year>
<volume>33</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>1465-84</page-range></nlm-citation>
</ref>
<ref id="B28">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ozili]]></surname>
<given-names><![CDATA[P. K]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Impact of digital finance on financial inclusion and stability]]></article-title>
<source><![CDATA[Borsa Istanbul Review]]></source>
<year>2018</year>
<volume>18</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>329-40</page-range></nlm-citation>
</ref>
<ref id="B29">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ozili]]></surname>
<given-names><![CDATA[P. K.]]></given-names>
</name>
<name>
<surname><![CDATA[Arun]]></surname>
<given-names><![CDATA[T]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Spillover of COVID-19: Impact on the Global Economy]]></article-title>
<source><![CDATA[SSRN Electronic Journal]]></source>
<year>2020</year>
<volume>1</volume>
<page-range>1-17</page-range></nlm-citation>
</ref>
<ref id="B30">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Panos]]></surname>
<given-names><![CDATA[G. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Wilson]]></surname>
<given-names><![CDATA[J. O. S]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy and responsible finance in the FinTech era: capabilities and challenges]]></article-title>
<source><![CDATA[European Journal of Finance]]></source>
<year>2020</year>
<volume>26</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>297-301</page-range></nlm-citation>
</ref>
<ref id="B31">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Philippon]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
<name>
<surname><![CDATA[Philippon]]></surname>
<given-names><![CDATA[T]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The FinTech Opportunity]]></article-title>
<source><![CDATA[National Bureau of Economic Research]]></source>
<year>2019</year>
</nlm-citation>
</ref>
<ref id="B32">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Raccanello]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Raccanello]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Herrera Guzmán]]></surname>
<given-names><![CDATA[E]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Educación e inclusión financiera]]></article-title>
<source><![CDATA[Revista Latinoamericana de Estudios Educativos]]></source>
<year>2014</year>
<volume>44</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>119-41</page-range></nlm-citation>
</ref>
<ref id="B33">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rizwan]]></surname>
<given-names><![CDATA[M. S.]]></given-names>
</name>
<name>
<surname><![CDATA[Ahmad]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Ashraf]]></surname>
<given-names><![CDATA[D]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Systemic risk: The impact of COVID-19]]></article-title>
<source><![CDATA[Finance Research Letters]]></source>
<year>2020</year>
<numero>36</numero>
<issue>36</issue>
<page-range>101682</page-range></nlm-citation>
</ref>
<ref id="B34">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Romanova]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
<name>
<surname><![CDATA[Kudinska]]></surname>
<given-names><![CDATA[M]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Banking and fintech: A challenge or opportunity?]]></article-title>
<source><![CDATA[Contemporary Studies in Economic and Financial Analysis]]></source>
<year>2016</year>
<numero>98</numero>
<issue>98</issue>
<page-range>21-35</page-range></nlm-citation>
</ref>
<ref id="B35">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sahay]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Allmen]]></surname>
<given-names><![CDATA[U. E. von]]></given-names>
</name>
<name>
<surname><![CDATA[Lahreche]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Khera]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Ogawa]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Bazarbash]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Beaton]]></surname>
<given-names><![CDATA[K]]></given-names>
</name>
</person-group>
<source><![CDATA[The Promise of Fintech: Financial Inclusion in the Post COVID-19 Era. IMF Departmental Papers / Policy Papers]]></source>
<year>2020</year>
<numero>09</numero>
<issue>09</issue>
</nlm-citation>
</ref>
<ref id="B36">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Skoufias]]></surname>
<given-names><![CDATA[E]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Economic crises and natural disasters: Coping strategies and policy implications]]></article-title>
<source><![CDATA[World Development]]></source>
<year>2003</year>
<volume>7</volume>
<numero>31</numero>
<issue>31</issue>
<page-range>1087-102</page-range></nlm-citation>
</ref>
<ref id="B37">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Stoeckli]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Dremel]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Uebernickel]]></surname>
<given-names><![CDATA[F]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Exploring characteristics and transformational capabilities of InsurTech innovations to understand insurance value creation in a digital world]]></article-title>
<source><![CDATA[Electronic Markets]]></source>
<year>2018</year>
</nlm-citation>
</ref>
<ref id="B38">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Tamura]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Sawada]]></surname>
<given-names><![CDATA[Y]]></given-names>
</name>
</person-group>
<source><![CDATA[Consumption Insurance against Unforeseen Epidemics: The case of avian influenza in Vietnam]]></source>
<year>2011</year>
<publisher-name><![CDATA[RIETI Discussion Paper Series 09-E-023 n° 09023]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B39">
<nlm-citation citation-type="book">
<collab>The Economic Times</collab>
<source><![CDATA[Reserve Bank of India suggests a five-point action plan to promote financial education]]></source>
<year>2020</year>
<publisher-name><![CDATA[India Times]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B40">
<nlm-citation citation-type="">
<collab>The World Bank</collab>
<source><![CDATA[UFA2020 Overview: Universal Financial Access by 2020]]></source>
<year>2018</year>
</nlm-citation>
</ref>
<ref id="B41">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[TIAA]]></surname>
<given-names><![CDATA[G]]></given-names>
</name>
</person-group>
<source><![CDATA[The 2020 TIAA Institute-GFLEC Personal Finance Index]]></source>
<year>2020</year>
</nlm-citation>
</ref>
<ref id="B42">
<nlm-citation citation-type="">
<collab>United Nations</collab>
<source><![CDATA[Impact of access to financial services, including by highlighting remittances on development: Economic empowerment of women and youth. Trade and Development Commission Expert Meeting on the Impact of Access to Financial Services, Including by Highlighting Remittances on Development: Economic Empowerment of Women and Youth]]></source>
<year>2014</year>
</nlm-citation>
</ref>
<ref id="B43">
<nlm-citation citation-type="">
<collab>United Nations</collab>
<source><![CDATA[UN launches COVID-19 plan that could 'defeat the virus and build a better world'. Prevention and Control]]></source>
<year>2020</year>
</nlm-citation>
</ref>
<ref id="B44">
<nlm-citation citation-type="">
<collab>United Nations</collab>
<source><![CDATA[Shared responsibility, global solidarity: responding to the socio-economic impacts of COVID-19]]></source>
<year>2020</year>
</nlm-citation>
</ref>
<ref id="B45">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Valencia]]></surname>
<given-names><![CDATA[D. C.]]></given-names>
</name>
<name>
<surname><![CDATA[Arevalo]]></surname>
<given-names><![CDATA[J. B.]]></given-names>
</name>
<name>
<surname><![CDATA[Rodríguez]]></surname>
<given-names><![CDATA[D]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Análisis bibliométrico sobre direccionamiento de los estudios en Riesgos Financieros]]></article-title>
<source><![CDATA[Revista Venezolana de Gerencia]]></source>
<year>2017</year>
<volume>38</volume>
<numero>59</numero>
<issue>59</issue>
<page-range>2-13</page-range></nlm-citation>
</ref>
<ref id="B46">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Venkatesh]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
<name>
<surname><![CDATA[Thong]]></surname>
<given-names><![CDATA[J. Y. L.]]></given-names>
</name>
<name>
<surname><![CDATA[Statistics]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
<name>
<surname><![CDATA[Xu]]></surname>
<given-names><![CDATA[X.]]></given-names>
</name>
<name>
<surname><![CDATA[Acceptance]]></surname>
<given-names><![CDATA[T]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Unified Theory of Acceptance and Use of Technology: A Synthesis and the Road Ahead]]></article-title>
<source><![CDATA[Journal of the Association for Information Systems]]></source>
<year>2016</year>
<volume>17</volume>
<numero>5</numero>
<issue>5</issue>
<page-range>328-76</page-range></nlm-citation>
</ref>
<ref id="B47">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Villa]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Cardona Valencia]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Valencia-Arias]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Hormechea]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[García]]></surname>
<given-names><![CDATA[J]]></given-names>
</name>
</person-group>
<source><![CDATA[Transformative Innovation Policy, SDGs, and the Colombian University]]></source>
<year>2020</year>
<publisher-name><![CDATA[Springer]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B48">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Wallin]]></surname>
<given-names><![CDATA[J. A]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Bibliometric methods: Pitfalls and possibilities]]></article-title>
<source><![CDATA[Basic and Clinical Pharmacology and Toxicology]]></source>
<year>2005</year>
<volume>97</volume>
<numero>5</numero>
<issue>5</issue>
<page-range>261-75</page-range></nlm-citation>
</ref>
<ref id="B49">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Wójcik]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Loannou]]></surname>
<given-names><![CDATA[S]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[COVID-19 and Finance: Market Developments So Far and Potential Impacts on the Financial Sector and Centres]]></article-title>
<source><![CDATA[Tijdschrift Voor Economische En Sociale Geografie]]></source>
<year>2020</year>
<volume>111</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>387-400</page-range></nlm-citation>
</ref>
<ref id="B50">
<nlm-citation citation-type="book">
<collab>World Bank</collab>
<source><![CDATA[2020 Global Economic Prospects: June 2020]]></source>
<year>2020</year>
<publisher-name><![CDATA[The Financial Crisis and the Global South]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B51">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Zhang]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Hu]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Ji]]></surname>
<given-names><![CDATA[Q]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial markets under the global pandemic of COVID-19]]></article-title>
<source><![CDATA[Finance Research Letters]]></source>
<year>2020</year>
<numero>36</numero>
<issue>36</issue>
<page-range>1-6</page-range></nlm-citation>
</ref>
</ref-list>
</back>
</article>
