About | Contributor | Charlotte Toms

Charlotte Toms

I’m currently undertaking a Bachelor of Business, majoring in Finance and Sustainable Enterprises at the University of Technology Sydney (UTS). I am passionate and hope to contribute to promoting ethical investment decisions.


A research and learning agenda for the impact of financial inclusion

There is consistent evidence of financial services contributing to improved well-being, yet the influence of contextual factors is largely unknown. The theory of change framework identifies several knowledge gaps that funders/researchers can address to develop a more accurate prediction of when financial inclusion policy will generate positive wellbeing outcomes.