Remittances and Financial Inclusion: A Demand-Side Analysis of Low-Income Jordanians and Syrian Refugees in Jordan

This study used a quantitative analysis of the key remittance patterns and behaviors of low-income Jordanians and Syrian refugees in Jordan to understand the demand, use, and preferences of current and potential customers of both formal and informal domestic and international person-to-person (P2P) remittance services. The study also focused on awareness of mobile wallets and broader access to financial services and technology.

The paper presents the main findings from the demand-side survey, with a specific focus on Syrian refugees. Data shows that remittances are probably not the primary entry point to formal and digital financial services for the studied population because only a limited number of Syrian refugees and low-income Jordanians engage in remittance activities. However, the survey provides valuable insights into the financial lives and use of financial services of both groups.