The impact of universal banks on financial inclusion: A Study on the Malaysian Model
DOI:
https://doi.org/10.56967/ejfb2026611Keywords:
Financial inclusion, universal banking, financial stability, financial technology, financial sector developmentAbstract
Financial inclusion, defined as the process of ensuring access to appropriate financial services for all individuals and businesses, plays a crucial role in driving economic development and reducing poverty. In this context, universal banks—also known as full-service or universal banks—have emerged as key players in promoting financial inclusion by offering a wide range of financial services under one roof. These institutions provide individuals and businesses with access to savings, credit, insurance, investments, and payment services, which are essential for participating in modern economic activities.
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Copyright (c) 2026 مصطفى وسام حمودي، نغم حسين نعمة
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This is an Open Access article distributed under the terms of the creative commons attribution (CC BY) 4.0 international license which permits unrestricted use, distribution, and reproduction in any medium or format, and to alter, transform, or build upon the material, including for commercial use, providing the original author is credited.
