Mobile money in the facilitating of financial inclusion: An implementation in Ankara

Depending on the countries' economic level, unfortunately, some groups in each society cannot reach financial products and services even at the basic level. There are approximately 2 billion people in the World, who are unbanked, so this situation actually reflects that financial inclusion is a global issue. The sole aim of financial system players such as, banks, financial technology institutions is to meet the advantages, which are created by improved technology, with every part of the society. As a matter of fact, the century that we live in, rising the usage of smartphones and internet, with the improved technological opportunities, caused to take part of the technology of mobile money, which allows the ability of financial products and services through mobile devices, in our lives. Since financial inclusion is expected to support countries' economic development, to reduce inequilty between people both economically and socially, and to decrease the need of dependencies of people to others, countries care about their citizens much more and they try to create a financial system that includes every group of people in a society. In general there is an expectation that mobile money facilitates financial inclusion. In this direction, mobile money was assessed in the research by determining demographic features of both mobile money users and non-users and it was aimed to find out is there any significant differences among people in terms of their demographic features. The questionnaire is done in Ankara and the answers of 256 people are assessed with SPSS programme. Finally, it was detected that the demographic features of both sides (mobile money users and non-users) and it was found that there are significant differences in some demographic features of people in these two groups.