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The impact of digital finance on financial inclusion in Zimbabwe

This study looks at how digital finance affects financial inclusion in Zimbabwe. There has been a noticeable change in Zimbabwe's financial services sector with the introduction of digital technology, especially mobile money and digital banking services. The present study investigates the ways in which digital finance initiatives have facilitated the expansion of financial services accessibility, the advancement of financial literacy, and the promotion of economic empowerment among marginalised communities in Zimbabwe. This study offers insights into the potential obstacles related to digital finance in achieving financial inclusion objectives in Zimbabwe through an extensive analysis of current research and empirical data.

Managing Inclusion and Financial Education for Sustainable Development

Objective: The objective of this study is to analyze the importance of effective management of financial inclusion and education in the context of sustainable development, highlighting its impact on the achievement of the SDGs. It also aims to identify the main challenges faced by vulnerable populations in accessing financial services and propose comprehensive strategies to improve financial literacy and accessibility, contributing to a more inclusive and equitable society. Theoretical Framework: For this research we have several relevant approaches and theories such as: financial inclusion theory; its relationship with the SDGs; financial education theory, as well as inclusion and sustainable development. Method: The methodology adopted for this research comprises a qualitative approach, based on the review of documents, public policies and government programs on financial inclusion and education to assess their effectiveness with respect to the SDGs. Data from the World Bank's Data Dashboard (The Global Findex Database, 2024) was analyzed using content analysis, which allowed identifying key themes and gaining a deeper understanding of the perceptions and experiences related to the evaluated programs.. Results and Discussion:The results obtained revealed that, although there is progress in financial inclusion in Mexico, there are still areas of opportunity to improve access to and use of financial services, especially among the most vulnerable segments of the population. It is necessary to highlight the need to continue working on the promotion of financial inclusion in Mexico and in other regions, through public policies that promote financial education, technological innovation, and collaboration between the public and private sectors. Research Implications: The practical implications of this research include the improvement of public policies and programs focused on financial inclusion and education, promoting more equitable access to financial services in vulnerable populations. At a theoretical level, the study provides a deeper understanding of the relationship between financial management and sustainable development, offering a conceptual framework that links financial inclusion with the SDGs. This strengthens the academic analysis on how financial education can drive inclusive economic growth. Originality/Value: The originality and value of this research lies in its focus on the direct relationship between financial inclusion and financial education with the SDGs, an area underdeveloped in the literature. The research offers a new perspective by assessing how financial education can be a key tool for achieving equitable and sustainable development. Its contribution to the literature is in providing a detailed analysis of public policies and government programs, highlighting their effectiveness and identifying areas for improvement, which brings a comprehensive and updated approach to the study of financial inclusion.

Bridging India's Financial Divide: The Power of Artificial Intelligence and Machine Learning

Artificial Intelligence (AI) and Machine Learning (ML) are transforming India's financial sector, enhancing decision-making, risk assessment, and personalized services. They extend financial services to underserved populations through scalable solutions like digital lending and mobile banking, fostering financial inclusion and bridging urban-rural gaps. Notable progress has been made through initiatives like the Pradhan Mantri Jan Dhan Yojana (PMJDY), which opened over 53 crore accounts by August 2024. However, challenges such as low literacy rates, inadequate digital infrastructure, and a large informal economy persist. AI and ML address financial inclusion gaps by automating KYC processes and improving onboarding through facial recognition and identity verification. Initiatives like Aadhaar provide digital identities, enhancing access to banking. ML algorithms expand financial access by analyzing alternative data for credit scoring. Companies like Lenddo and Tala leverage ML for loans, and AI revolutionizes fraud detection by analyzing transaction data in real-time. AI integration with digital payment platforms like UPI has transformed India's financial ecosystem, processing over 15 billion transactions monthly by August 2024 (NPCI). AI-driven micro-lending platforms like Capital Float and Aye Finance address a $380 billion credit gap (BCG) by assessing creditworthiness using alternative data. AI-driven chatbots and financial products tailored to rural customers improve financial literacy and services. In agricultural finance, AI introduces lending models and enhances crop insurance through satellite data and weather patterns. Programs like PMFBY and companies like Skymet use AI for faster claims processing. AI-driven solutions in RegTech simplify compliance and improve fraud detection. Fintech collaborations and government initiatives like IndiaStack, Aadhaar, and DigiLocker promote financial inclusion. Overcoming barriers like infrastructure challenges, data privacy concerns, and AI bias is essential for leveraging AI to provide equitable financial services in India. The constructive interaction between AI and blockchain further enhances financial inclusion, creating a secure, transparent ecosystem that drives economic growth and social well-being.

Participatory Approach in The Development of Ai-Based E-Proposals: A Case Study of the Collaborative Process Between Village Youth and Local Government

This study examines the collaborative process between the youth of Dukuhpicung Village and the local government in the development of AI-based e-proposals as part of the village infrastructure development. The research was conducted in Dukuhpicung Village, Luragung District, Kuningan Regency, West Java Province. Using a descriptive qualitative approach, the study explores how the active participation of youth in the e-proposal training program enhanced their digital skills and strengthened synergy with the local government. The results show that the use of AI and audiovisual technology not only accelerated the planning process but also improved the effectiveness of communication through more interactive and persuasive proposals. This training successfully empowered the youth to take an active role in village development, enhancing their capacity to access funding opportunities and facilitating improvements in local infrastructure quality. These findings provide guidance for policymakers and development practitioners to support the implementation of digital technology at the village level and encourage closer collaboration between the community and the government in community-based participatory development.

From innovation to inclusion: The dynamic influence of fintech on financial accessibility and future scopes in India

Purpose – The purpose of this paper is analyze the effects of Fintech and its various sub-sets on Financial Inclusion. Additionally, the authors have analyzed the presence of Fintech in India, its emergence, and its future scope. Design/methodology/approach – As a literature review, no specific methodology is required. Findings – Research has shown core sub-sectors of Fintech like Reg-tech, Insur-Tech, Online Banking, and Digital Lending to be sectors that contribute the most to financial inclusion from Fintech if further investment is made these sectors have promising potential Research limitations/implications – The review would prove to be a dire catalyst in the research of present Fintech situations, aiding professionals in finding key sectors where further attention and investment in financial inclusion can prove to provide positive outcomes. Practical implications – The study highlights areas of Fintech that have the most positive impact on financial inclusion providing a clear path to investors and government officials on which areas to focus on. Social implications – As a literature review, there are only indirect social implications in the sense that the studies reviewed could be used to impact people’s lives. Originality/value – As a literature review, originality is not an applicable criterion, however, the study adds value for the reader by highlighting gaps in the current body of knowledge and bringing together various studies in one location.

Assessing the impact of financial resources on Sorghum yield in Al-Qadarif State, Sudan

The sorghum agricultural sector in Al-Qadarif State, Sudan, plays a pivotal role in ensuring regional food security. However, its productivity is hindered by significant constraints. Substantial improvements in sorghum yield are impeded by the intricate complexities that characterize this sector's financial resources, and agricultural practices. This study in Al-Qadarif State, Sudan, explores the relationship between financial resources and sorghum agrarian productivity. Data were collected from 200 sorghum farmers using standardized questionnaires during the 2022 season, and regression analysis was employed to investigate the association between financial factors and sorghum productivity. The findings indicate that financial accessibility considerations significantly influence sorghum productivity. This emphasizes the importance of improved financial resources for farmers to adopt innovative farming technologies and practices, leading to higher sorghum productivity levels. The study recommends the integration of digital financial services and precision agriculture technologies as a creative solution to enhance financial accessibility and sorghum productivity. By leveraging mobile money platforms and digital credit services, farmers can conveniently access financial resources, enabling them to invest in modern agricultural inputs and technologies. Additionally, the adoption of precision agriculture techniques, such as soil moisture sensors, drone-based crop monitoring, and variable rate application of inputs, can optimize resource utilization, increase yield, and reduce production costs. The combination of these innovative approaches has the potential to bridge the financial and knowledge gaps, promoting the widespread adoption of sustainable agricultural practices. This synergistic approach could significantly improve sorghum productivity, enhance farmer livelihoods, and contribute to regional food security.

Conceptual framework for assessing the impact of financial access on SME growth and economic equity in the U.S

Conceptual framework for assessing the impact of financial access on SME growth and economic equity in the U.S

Measuring How AI Innovations and Financial Accessibility Influence Environmental Sustainability in the G-7: The Role of Globalization with Panel ARDL and Quantile Regression Analysis

This study investigates the impact of AI innovation on environmental sustainability in the G-7 region from 2010 to 2022. Additionally, it tests the Load Capacity Curve (LCC) hypothesis in relation to financial accessibility, globalization, and urbanization. Cross-sectional dependence and slope homogeneity tests reveal the presence of cross-sectional dependence and heterogeneity issues. Panel unit root and panel cointegration tests confirm that the variables are free from unit root problems and are cointegrated in the long run. To identify significant factors influencing environmental sustainability, this study employs Panel ARDL and Quantile Regression methods. Both methods confirm the LCC hypothesis in the G-7 region, demonstrating a U-shaped relationship between income and the load capacity factor. The results indicate that AI innovation and financial accessibility are significantly positively correlated with the load capacity factor, while globalization and urbanization are negatively correlated, leading to lower environmental sustainability. To validate the robustness of the Panel ARDL and Quantile Regression results, Driscoll-Kraay standard errors, Augmented Mean Group, and Common Correlated Effects Mean Group estimation approaches are applied, all of which support the initial findings. Furthermore, the D-H causality test reveals unidirectional causality from economic growth, financial accessibility, globalization, and urbanization to the load capacity factor, and bidirectional causality between AI innovation and the load capacity factor.

Science diplomacy in the European and Latin American and Caribbean research infrastructure collaboration

Abstract Research infrastructures (RIs) are crucial for scientific progress, innovation, and global development, necessitating international collaboration due to their complexity and cost. Science diplomacy (SD) plays a vital role in facilitating policy design, resource pooling, and governance for effective collaboration in RIs. Multinational cooperation in RIs provides financial relief and access to advanced technology and promotes cutting-edge research, benefiting scientific development and socioeconomic growth. This article explores the role of SD in European-Latin American and Caribbean (EU-LAC) RI collaboration, underscoring the importance of diverse and equitable inter-RI collaboration. The study addresses challenges in EU-LAC collaboration, emphasizing the unequal development of RIs and the need for political support. Through interpretive policy studies and stakeholder interviews, the research contributes to formulating an ideal type and a feasible scenario for sustainable collaboration, discussing policy implications and highlighting the pivotal role of SD in successful international RI partnerships.

Enhancing Income for Farmer Producer Organizations (FPOs) through Ginger Value Addition: Opportunities, Strategies and Market Insights

Ginger (Zingiber officinale) is one of the most valuable spices globally, known for its culinary, medicinal, and industrial uses. As a primary cash crop in many regions, it offers substantial income opportunities for smallholder farmers. However, the traditional farming and marketing methods often limit the potential earnings of smallholder farmers. This review explores the concept of value addition in ginger, focussing on post-harvest processing, product diversification, packaging innovations, and market expansion strategies. It further highlights how Farmer Producer Organizations (FPOs) can leverage these techniques to improve profitability and sustainability. The paper also discusses the challenges faced by FPOs, such as financial constraints and market access barriers, while highlighting opportunities supported by government policies and technological advancements. Advanced processing techniques, improved package, branding, and exploring new markets would achieve profitability and sustainability of FPOs. The reduction of value chain and directly paying to the farmers give opportunity to the consumers to get the ginger products at better prices.

The Efficiency of Procurement Process, Organization Performance, and Product Training in Public Organization

The manufacturing sector is considered a key driver of economic progress across different sectors. Industrial products typically enjoy higher "terms of trade," making them more profitable and generating greater added value compared to products from other sectors. This is due to the sector’s diverse range of products and its ability to offer substantial marginal benefits to users. As a result, business players including manufacturers, distributors, traders, and investors are more inclined to participate in this sector because of its attractive profit margins. The government has implemented various initiatives to promote industrial development, which has in turn increased the demand for funding to support this growth, particularly in the industrial sector. In addition to relying on internal sources of finance, the government has been working to secure more external funding, such as foreign investment and foreign loans, to complement development efforts. Given the limited availability of funds, the government needs to adopt policies that open up more opportunities for both domestic and foreign private sector participation in national development. To support this, the government has enacted legislation such as Law No. 1 of 1967 on Foreign Investment (PMA) and Law No. 6 of 1968 on Domestic Investment (PMDN). These laws were later refined through Law No. 11 and Law No. 12 of 1970 and various deregulation policies, including the May 6, 1986 Package, Pakto 1993, and Government Regulation No. 20 of 1994. The government later reorganized its investment policies by passing Law No. 25 of 2007 concerning Capital Investment, which aimed to provide legal certainty, protection, and simplified licensing processes for both domestic and foreign investors. This law is designed to create a more favorable investment environment in Indonesia.

Learnings from ‘Everyone In’ initiative in England for improving health of people facing homelessness

Abstract Issue The COVID-19 pandemic presented an unprecedented health risk to people experiencing homelessness including risk of infection due to inability to self-isolate, and pandemic restrictions adding barriers to accessing health support. The English Government implemented the ‘Everyone In’ policy at the start of the COVID-19 pandemic, which offered accommodation to those who were (or at risk of) sleeping rough. This led to integration of support for health, care and housing. Description of the problem Between January-October 2023, a qualitative study was undertaken to understand what worked well and less well in implementing the ‘Everyone In’ initiative for improving physical and mental health outcomes for people experiencing homelessness. People who were provided accommodation and those involved in the planning or delivery of the initiative were interviewed. Results Flexibility in provision of funding and support, lack of red tape and joined-up working between partners across sectors were key positives of implementing the policy. ‘Everyone In’ also led to new ways of supporting and overcoming barriers to support, for example, provision for people with no recourse to public funds. Access to health services for people experiencing homelessness was improved by strengthened relationships with service providers, and outreach within the accommodation for wrap-around support. Challenges were faced in support for substance use. Data sharing practices, mental health support, and recognition of trauma were areas that could have worked better. Lessons Availability of flexible and earmarked funding is crucial in implementing strategies for improving outcomes in homelessness. Many short and long-term initiatives have been launched as a result of ‘Everyone In’. This study highlights the importance of partnership working, supported housing and maintaining flexible, responsive approaches to interventions to meet the health and social care needs of people experiencing homelessness. Key messages • Multi-sectoral partnerships and integrating housing with health and care support can improve access to services. • Availability of flexible funding for homelessness strategies supports adaptable and responsive service provision.

Food poverty as a barrier for a healthy and climate-friendly nutrition in Austria

Abstract Background The food system plays a crucial role in promoting healthy and climate-friendly living. One fundamental aspect is accessibility. However, in Austria, there is a lack of systematic and regularly conducted studies on food system accessibility. To address this gap, a comprehensive study on food poverty has been conducted for the first time in Austria. Methods We used a mixed methods approach, combining expert workshops, a representative questionnaire survey (n = 2004) using the Food Insecurity Experience Scale (FIES), and focus groups (n = 20) with affected individuals. Results Approximately 12 percent of people living in Austria are affected by moderate and/or severe food poverty. These individuals struggle to afford sufficient quantities and quality of food due to financial constraints or limited access in general. Over four percent experience severe food poverty, leading to skipped meals or even days without food. People affected by food poverty would like to focus more on healthy shopping and quality of food (prioritizing fresh food over cheap high-processed food). The biggest hurdles relate to a lack of financial resources, too little time and a lack of affordable (healthy and climate-friendly) options. Conclusions Food poverty is a phenomenon in Austria that has received little attention to date. Public discourse often attributes nutritional problems to information gaps or individual competence, neglecting the impact of structural conditions. Addressing food poverty requires holistic approaches that avoid stigmatization. Recognizing it as a social, health, climate, and agricultural policy concern necessitates robust monitoring and considering the social and environmental aspects of nutrition holistically.

Semaglutide for the secondary prevention of cardiovascular disease in people with overweight or obesity, but without diabetes: a cost-effectiveness analysis

Abstract Background The recently published trial, SELECT (Semaglutide Effects on Cardiovascular Outcomes in People with Overweight or Obesity) [1], was the first study to demonstrate that the glucagon-like peptide 1 receptor agonist, semaglutide, was superior to placebo in reducing the risk of major cardiovascular events in people with existing cardiovascular disease (CVD) and a body mass index of ≥27kg/m² but without diabetes. Despite the promising clinical benefits, the high cost of the medication has raised concerns about its financial viability and accessibility within healthcare systems. Purpose To explore whether use of semaglutide in addition to standard care (background use of lipid lowering, anti-hypertensive and/or anti-platelet therapies) for the secondary prevention of CVD in people with overweight or obesity is cost effective from the Australian healthcare perspective. Methods A Markov model was developed based on the SELECT trial, to evaluate the clinical outcomes and costs of a hypothetical population treated with semaglutide versus placebo over 20 years. With each annual cycle, subjects were at risk of having non-fatal CVD events (MI or stroke) or dying. Treatment efficacy, transition probabilities, and utilities were derived from the SELECT trial and published literature. Costs were obtained from Australian sources. The cost of semaglutide at a dosage of 2.4 mg/week (in line with SELECT) was estimated to be ~A$80 per week or A$4175 per year. The main outcome of interest was the incremental cost-effectiveness ratio (ICER) in terms of cost per year of life saved (YoLS) and cost per quality-adjusted life year (QALY) gained. All outcomes and costs were discounted by 5% per year. Costs are reported in 2023 Australian dollars (A$). Results Over a 20 year time horizon, treatment of 1000 hypothetical subjects with overweight or obesity and existing CVD with semaglutide compared to placebo prevented 126 non-fatal CVD events and 81 deaths, and yielded an additional 0.46 discounted life years and 0.48 discounted QALYs per person. The difference in total discounted costs was A$43,955 per person. This equated to ICERs of A$99,853 per YoLS and A$96,055 per QALY gained. Conclusions Assuming a willingness-to-pay-threshold of A$50,000 per QALY gained, semaglutide would not be considered cost-effective for the secondary prevention of CVD in people with overweight or obesity in Australia at current prices. A price reduction of 52% to less than A$2000 per year would be required for it to be considered a cost-effective treatment strategy in this setting. Given the modest event rates reported in SELECT, cost-effectiveness is likely to improve if use of semaglutide is targeted to higher risk groups. Moreover, SELECT primarily focused on cardiovascular benefits, however data supporting the impact of semaglutide on a number of other weight-related complications are anticipated and will inform a more holistic understanding of its cost effectiveness.

Food insecurity and fruit and vegetable consumption in Belgium

Abstract Background Food insecurity is a substantial and growing concern in many high-income countries. Yet, representative data on the extent of the issue in the general Belgian population is lacking. This study aims to assess the extent of food insecurity in Belgium, identify those at risk of food insecurity, and explore the relationship between food insecurity and fruit and vegetable consumption. Methods We used data from the Belgian National Food Consumption Survey 2022-2023, a representative sample of the Belgian population aged 3 years and older (n = 2,800). Food insecurity was assessed using the 3 screening questions derived from the USDA Household Food Security Survey Module. Frequencies of fruit and vegetable consumption were obtained from a food propensity questionnaire. Prevalence of food insecurity was estimated using post-stratification weights. Logistic regression models were used to determine the association between frequency of fruit and vegetable consumption and food insecurity, adjusting for gender, household composition, educational attainment, and income. Results Preliminary results indicate that 12.6% of population experienced some form of food insecurity. Those who experienced food insecurity consumed fruit and vegetables less frequently than others, after adjustment for other socio-economic variables (ORs>4.00, p-values>0.05). Conclusions This study confirms that food insecurity is a substantial concern in Belgium. Food insecurity should be routinely monitored at the national level. Experiencing food insecurity appears to be negatively associated with the consumption of healthy foods such as fruits and vegetables and thus with the overall quality of the diet. Further research should be supported to identify effective strategies to reduce food insecurity in Belgium. Policy attention should be given to ensure financial accessibility to healthy foods and their attractiveness, especially for people experiencing food insecurity. Key messages • Food insecurity is an major concern in Belgium and should be routinely monitored. • Financial accessibility to healthy foods should be improved, especially for those facing food insecurity.

The Impact of Financial Inclusion on Economic Growth in Nigeria: A Secondary Data Analysis

This study investigates the impact of financial inclusion on economic growth in Nigeria, a country where a significant portion of the population remains financially excluded despite ongoing efforts to enhance access to financial services. The problem addressed is the limited understanding of how various aspects of financial inclusion, particularly mobile money, banking services, and credit availability, affect Nigeria's GDP growth. The primary objectives of the study are to assess the current level of financial inclusion, analyze its relationship with GDP growth, and provide evidence-based policy recommendations to improve financial access and support economic development. To achieve these objectives, a secondary data analysis was conducted, employing multiple linear regression, Pearson correlation, and Granger causality tests. The findings reveal a marginally significant positive relationship between Mobile Money Subscriptions (MMS) and GDP growth, while access to formal banking services and credit availability showed no significant correlation with economic growth. These results highlight the importance of mobile money as a key driver of financial inclusion, contrasting with the limited impact of traditional banking services. Based on these findings, the study recommends enhancing mobile money infrastructure, strengthening financial literacy programs, promoting inclusive banking models, and fostering collaboration with fintech firms. Implementing these recommendations could significantly improve financial inclusion in Nigeria, ultimately contributing to sustained economic growth and enhanced welfare for the population.

Inequalities in access to early child services in Bulgaria

Abstract Background Children’s health has been a major focus of European health policy since 2000, with particular emphasis on early childhood and integrated services for children with chronic diseases. However, research on early child care in Bulgaria is sparse, mainly focusing on the role of nurseries, kindergartens and nursing care. Our aim is to investigate whether there are disparities in access to early childhood health services in Bulgaria. Methods A survey was conducted among mothers of children up to 7 years old between April and June 2022. The questionnaire, containing 49 questions, was based on the theoretical framework from the EU project ‘Models of child health appraise’, covering topics as: geographical and financial access to services, equity, quality, responsiveness to children and family needs, considered key features of outpatient child medical care. Statistical analysis utilized Chi-square, Fisher’s exact and ANOVA tests. Results A total of 413 Bulgarian women, with a mean age of 34.3 (±5.1), participated in the study. Almost all women (91.3%) reported that their children had a primary care provider. The mean time to reach the GP/pediatrician’s office was 16 minutes (95% CI 14.6 - 16.7), longest for residents of small towns and villages (21 minutes), p = 0.004. Parents from small towns (including villages) were six times more likely to experience financial difficulties related to their children’s healthcare services compared to those from the capital city (p = 0.047), as well as parents with low-income (p = 0.031). Emergency healthcare was the most demanded service by families with children under 7 years old, possibly due to its free availability. Parents with secondary education and from small towns lack access to non-medical health-promoting or preventive services such as breastfeeding consultations, speech therapy and others. Conclusions Significant financial and geographic disparities in access to early child health services exist in Bulgaria. Key messages • There are serious social health inequalities related to the access to outpatient child health services in Bulgaria. • There is an urgent need for specific child and family health strategy based on the principles of proportionate universalism.

Enhancing Load Capacity Factor: The Influence of Financial Accessibility, AI Innovation, and Institutional Quality in the United States

Enhancing Load Capacity Factor: The Influence of Financial Accessibility, AI Innovation, and Institutional Quality in the United States

The Impact of Financial Literacy, Inclusion, and Access on Msme Growth and Welfare in North Sumatra: A Mediating Role of Business Growth

This study examines the impact of financial literacy, financial inclusion, and financial access on the growth and welfare of Micro, Small, and Medium Enterprises (MSMEs) in North Sumatra, Indonesia, with business growth acting as a mediating factor. Using a quantitative research design and Structural Equation Modeling (SEM) analysis, data were collected from 306 MSME operators selected via purposive sampling. The findings reveal that while financial literacy does not have a significant direct effect on MSME growth and welfare, both financial inclusion and financial access significantly enhance business growth and welfare. Furthermore, business growth serves as a mediating variable, amplifying the positive effects of financial inclusion and access on MSME welfare. The results indicate that MSMEs benefit from better access to formal financial services, such as credit and insurance, which facilitates business expansion and improves the overall welfare of business owners. However, the lack of significant impact from financial literacy suggests that practical financial education initiatives should be paired with improved access to capital and market opportunities. This study highlights the need for integrated policy efforts to enhance financial literacy, expand financial inclusion, and provide easier access to credit to foster MSME growth and welfare in North Sumatra.

How Financial Development Heterogeneity, Macroeconomic Volatility, Domestic Investment, and Digital Economy Are Driving Sustainable Economic Growth in Africa

The roles of finance are well stipulated in the various indicators of the sustainable development goals (SDGS). However, the extant literature still finds conflicting outcomes of the finance-led growth. Hence, this study redirects empirical evidence by unbundling the effects of financial development on sustainable economic growth into aggregated and disaggregated, focusing on seven robust indicators (financial development index, financial institution index, depth, and access, and financial market index, depth, and access) in selected African countries from 1995 to 2021. Similarly, the intervening roles of government expenditure, digital economy, domestic investment, human capital, macroeconomic volatility, and trade openness are evaluated based on advanced estimators. Findings show that the seven indices of financial development drive sustainable economic growth in Africa both in the long and short runs. Similarly, government expenditure, digital economy, and human capital promote sustainable economic growth both in the short- and long-term periods. The driving effects of domestic investment are only noticeable in the long run. Conversely, trade openness and macroeconomic instability are noted to be growth-deterring. Policy insights that support sustainable economic growth in Africa emanate from the outcomes.