摘要：The Mzansi intervention is a major initiative designed to provide banking services to the un- banked South African population. This study investigates the underlying variables that define the choice of a Mzansi account from a consumer perspective. Unlike previous studies, we do not assume that demand for financial services is a given but instead that it is underlain by percep- tions and attitudes. Financial attitudes and perceptions are found to exert significant effects on financial choices. In particular, aspirations and forward-looking values are instrumental in facili- tating access to finance
关键词：access to finance; variable selection; adaptive LASSO
