DETERMINANTS OF FINANCIAL AND DIGITAL INCLUSION IN HOUSEHOLDS: A PROBIT MODEL APPLIED TO BAHIA BLANCA (ARGENTINA)

The objective of this study is to provide a description of the main financial and digital instruments that the population under analysis has and uses. A set of characteristics of the head of house are considered and traditional financial instruments. Furthermore, it examines the possession of bank and non-bank credit instruments, distinguishing between vulnerable and non-vulnerable neighborhoods in the city of study, and then delves into the socioeconomic determinants of the possession and use of these financial and digital instruments. The methodology applied is descriptive and explanatory using probit models. The results highlight the need to facilitate access to formal financial instruments, harness the reach being generated by digital services, and emphasize the importance of promoting financing programs to meet the credit demands of the lower-income population.