Author(s)

Zefang Wang

Corresponding Author

Zefang Wang

Abstract

This paper investigates the impact of financial inclusion on export trade performance in developing regions, with a comparative focus on Southeast Asia and Africa. Anchored in a dual-path theoretical framework—reducing financing costs and supporting innovation—it examines how inclusive financial systems enhance export capacity and facilitate the expansion of high value-added exports. Through detailed case studies and cross-regional comparisons, the research highlights the differing models: Southeast Asia leverages technology-driven fintech systems and policy coordination to promote SME export competitiveness, while African countries rely on mobile money platforms to bridge infrastructure gaps and enable broader participation. The findings reveal that while both regions benefit from inclusive finance, Southeast Asia exhibits stronger export outcomes due to integrated financial ecosystems and institutional support. These insights provide valuable policy implications for tailoring inclusive finance strategies to specific regional contexts to foster sustainable economic growth and global trade integration.

Keywords

Financial Inclusion; Export Competitiveness; Southeast Asia; Africa; Trade Policy