Digital accessibility in the context of preference for financial services

The paper addresses the question of how digital access is related to preference for financial services. purpose research was reveal main types interrelationships between and by dividing comparing countries with different corresponding characteristics. hypothesis suggested a negative correlation would exist penetration traditional To test this hypothesis, data from advanced developing markets were analyzed. share population Internet used as an indicator access. evaluate availability services, IMF index considered. ranked level access, which allowed them be divided into four groups according sub-hypotheses: low high penetration, penetration. analysis obtained revealed weak relationship each groups, confirmed tested hypotheses. It concluded that itself not driver expanding but it can contribute innovative development through formation alternative This contributes understanding ambiguous and, ultimately, criticism optimistic perception finance, has practical significance regulation.