| 来源类型 | Discussion paper |
| 规范类型 | 论文 |
| 来源ID | DP13378 |
| DP13378 Can Mobile-Linked Bank Accounts Bolster Savings? Evidence from a Randomized Controlled Trial in Sri Lanka | |
| Christopher Woodruff; Suresh De Mel; Ketki Sheth; Craig McIntosh | |
| 发表日期 | 2018-12-08 |
| 出版年 | 2018 |
| 语种 | 英语 |
| 摘要 | In developing economies, mobile-linked services have the potential to significantly reduce transaction costs and provide a truly new conduit that could be used to facilitate the flow of savings into banks. We test this premise by introducing a product that permits Sri Lankan households to deposit mobile airtime balances into a formal bank using a new mobile money interface. Using high frequency panel survey data and randomizing access and prices at the individual level, we find that there are moderate percentage increases in savings deposits with the partner institution and formal banks more generally, but no change in overall savings deposits. When the transaction costs are completely removed, only 26 percent of those offered the service use it, and 7 percent use it frequently. Overall, our results imply that transaction costs may not be a significant barrier to increasing deposits, limiting the potential gains of mobile-linked savings products for financial inclusion. |
| 主题 | Development Economics |
| URL | https://cepr.org/publications/dp13378 |
| 来源智库 | Centre for Economic Policy Research (United Kingdom) |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/542189 |
| 推荐引用方式 GB/T 7714 | Christopher Woodruff,Suresh De Mel,Ketki Sheth,et al. DP13378 Can Mobile-Linked Bank Accounts Bolster Savings? Evidence from a Randomized Controlled Trial in Sri Lanka. 2018. |
| 条目包含的文件 | 条目无相关文件。 | |||||
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