Artsrun Avetikyan

Models of digital government, rule of law, and financial innovation: Comparative evidence across developed, developing, and transition economies, with focal cases of Ukraine, the United States, and Brazil

Type of the article: Research ArticleAbstractGlobal account ownership rose from 51 to 76 percent of adults between 2011 and 2021, much of it through digital channels, yet the depth and innovativeness of national financial systems vary sharply across economies. This study quantifies how the rule of law and the model of...