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Do prudential regulations affect banking inclusion?
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DOI：10.1016/j.qref.2026.102119.png)
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• In this paper, we examine plausible links between different prudential regulations and banking inclusiveness, first by presenting conjectures and then by conducting a cross-country empirical analysis. • We use a select set of prudential regulations to investigate whether these have any statistically significant association with banking inclusion outcomes. • We find that some prudential regulations are compatible while some others are at odds with the objective of inclusive banking. • Further, whether and how these regulations matter for inclusive banking depends on the level of economic development as well as specific aspect(s) of inclusiveness.
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