金融服務在消除貧窮、扶持弱勢的議題上，已是不可或缺的要素。根據2017 年世界銀行的Global Findex 報告，全球的約有百分之六十的成年人持有金融帳戶。
本研究使用世界銀行的Global Findex 全球個體調查資料，並合併以國家為單位的法規與金融環境指標，以一般線性模型與羅吉斯模型，分析決定金融普惠與其根源—金融服務的接觸面兩者的決定因素。分析結果顯示，年齡、所得、教育程度等個人因素，與國家發展程度、政府清廉程度、性別平等程度、金融發展程度皆明顯地影響金融服務的普及。其中性別平權對女性金融普惠尤其有明顯的助益。再進而依照教育程度細分後，金融發展程度與性別平等程度有助於中等教育程度的民眾使用金融服務。若聚焦在金融普惠的接觸面時，個人因素、人均所得、清廉程度、金融發展程度及性別平等程度對金融帳戶的持有率依舊有正面的影響。此外，在發展程度較低的非洲及中東地區，行動金融的使用與金融發展程度有顯著的負向關聯。

Financial service is thought as a way to dismiss poverty and help vulnerable groups. However, according to the World Bank group, only 60% of adult has financial account until 2017.
The data in this research bases on the micro data from 2014 and 2017 Global Findex database ,and several macro indictor. Conducting ordinary linear square model and logit model to analysis the path of financial inclusion. The result shows that personal characteristic like age, income and education level encourage people to be inclusion. In the other hand, country with higher development of economy, uncorrupted government, equality of women right and financial development make its resident join to the financial system. After separating different education level and gender, we found that gender equality and financial development encourage middle-educated women to access financial system particularly. Personal characteristics, financial development and gender equality in social still play a role in contact of financial inclusion. Further, in the mobile financial section, we also found negative correlation bengtween financial development and mobile financial in developing countries.

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