6Allen, F.,Demirgug-Kunt, A. and Klapper,L., 2016,“The Foundations of Financial Inclusion: Understanding Owner-ship and Use of Formal Accounts, Journal of Financial Interme-diation ,Vol. 27, pp. 1-30.
7Ambarkhane, D, Singh, A. S. and Yenkataramani, B.,2014a,“Developing a Comprehensive Financial Inclusion In-dex", Available at SSRN 2485774.
8Ambarkhane, D., Singh, A, S. and Venkataramani,B.,2016, “Measuring Financial Inclusion of Indian States” , Interna-tional Journal of Rural Management,Vol. 12( 1),pp. 72-100.
9Arora, R. U., 2010, Measuring Financial Access , GriffithUniversity, Department of Accounting, Finance and Economics.
10Beck T, Demirgug-Kunt A. and Peria M. S. M., 2007 ,“Reaching out: Access to and Use of Banking Services acrossCountriesM,Journal of Financial Economics, Vol. 85 (1),pp.234-266.