The IZA Discussion Paper Series (ISSN: 2365-9793) disseminates high-quality research by IZA network members to the scientific community and the interested public worldwide before they are later published in academic journals. Comprising over 13,000 papers, IZA's publication flagship is the most influential working paper series in labor economics. 

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2 IZA Discussion Papers
IZA Discussion Paper No. 7687
Usage of Financial Services in South Africa: Perceptions Matter
Philip Kostov, Thankom Gopinath Arun, Samuel Annim
IZA Discussion Paper No. 7042
Effect of Perceptions and Behaviour on Access to and Use of Financial Service: Evidence from South Africa
Samuel Annim, Thankom Gopinath Arun, Philip Kostov
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