Artikel Jurnal

A State-led Model of Financial Inclusion Through Mobile Services. e-journal

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Financial inclusion spurs economic development, and digital mobile devices are considered an efficient tool for incorporating an unbanked population into the financial market. Despite this, close to 2 billion adults worldwide remain unbanked, as business models of digital financial services for the bottom of the pyramid have not proliferated. This article argues that the state may play a crucial role: acting as a catalyst to advance financial inclusion of the poor. We analyze how a conditional cash transfer (CCT) program may be an effective platform to achieve this. We offer evidence and analyze a pilot project through which beneficiaries of the CCT program in Mexico (Prospera) were migrated from a system of cash transfers to the use of digital transfers. The results show that a digital transfer platform may indeed be effective if governments integrate diverse public entities into the mobile money ecosystem and if they promote market competition in service delivery.

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Ketersediaan

Informasi Detail

Judul Seri

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No. Panggil

332 MAR a

Penerbit

Los Angeles : University of Southern California, Annenberg School for Communication & Journalism, Annenberg Press., 2020

Deskripsi Fisik

20-31 hlm ; 12 lembar

Bahasa

English

ISBN/ISSN

1544-7529

Klasifikasi

332

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

Vol. 16

Subjek

Financial

Info Detail Spesifik

Jenis Dokumen: Article

Pernyataan Tanggungjawab

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Versi lain/terkait

Lampiran Berkas

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