Résumé:
The term financial inclusion includes the access to and use of payment instruments. The main purpose of this study is to examine the determinants of access and usage of payment instruments. For that, we carried out a qualitative study among Algerian citizens. A sample of 266 individuals responded to a questionnaire collected via social media. Exploratory factor analysis (EFA) was conducted to construct measures of financial inclusion and to reveal factors influencing access and usage of payment instruments. We realized a regression analysis which confirmed five (05) variables to have an influence on access and usage of payment instruments, theses are: age, gender, income, security and cost.
