The Economics of Branchless Banking

Mas, Ignacio

doi:10.1162/itgg.2009.4.2.57

Cited by 82 publications

(95 citation statements)

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“…8 However, user households reported annual expenditure levels which were 67 per cent higher than non-user households and asset holdings that were 21 per cent higher. Jack et al 6 See Suri (2009 andMas andMorawczynski (2009) for background and descriptions for how M-PESA operates. 7 See M-PESA tariffs available at: http://www.safaricom.co.ke/fileadmin/template/main/downloads/Mpesa_forms/14th%20Tariff%20Poste r%20new.pdf.…”

Section: Inclusive Financial Markets: the Policy Contextmentioning

confidence: 99%

Inclusive Financial Markets: Is Transformation Under Way in Kenya?

Johnson

Arnold

2012

Development Policy Review

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Standard-Nutzungsbedingungen:Die Dokumente auf EconStor dürfen zu eigenen wissenschaftlichen Zwecken und zum Privatgebrauch gespeichert und kopiert werden.Sie dürfen die Dokumente nicht für öffentliche oder kommerzielle Zwecke vervielfältigen, öffentlich ausstellen, öffentlich zugänglich machen, vertreiben oder anderweitig nutzen.Sofern die Verfasser die Dokumente unter Open-Content-Lizenzen (insbesondere CC-Lizenzen) zur Verfügung gestellt haben sollten, gelten abweichend von diesen Nutzungsbedingungen die in der dort genannten Lizenz gewährten Nutzungsrechte.

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Section: Inclusive Financial Markets: the Policy Contextmentioning

confidence: 99%

Inclusive Financial Markets: Is Transformation Under Way in Kenya?

Johnson

Arnold

2012

Development Policy Review

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“…São informações importantes para se avaliar, de forma mais completa, a efetividade de se fomentar esse canal como forma de promover a inclusão financeira (o raciocínio vale para os demais canais). Como foi visto, a inclusão financeira não se limita ao acesso a meios de pagamento e recebimento, mas deve incluir o acesso "à gama completa de produtos financeiros" (WEISSBOURD, 2002, p. 3), de forma a ajudar as pessoas a escaparem de uma existência da-mão-para-a-boca (MAS, 2009).…”

Section: Análise Do Casounclassified

Articulação política na avaliação da inclusão financeira promovida pelo Banco Central do Brasil

Andrade

Diniz

2016

Organ. Soc.

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ResumoE ste artigo analisa a relação entre (i) as atividades de articulação política desenvolvidas para a obtenção dos dados e informações necessários para avaliar uma política pública e (ii) a disponibilidade (ou indisponibilidade) desses dados e informações. A política em foco foi a de inclusão financeira liderada pelo Banco Central do Brasil (BC) no período de 2009 a 2012, tendo-se utilizado a abordagem metodológica do estudo de caso. Descreveram-se as principais iniciativas de inclusão financeira promovidas pelo BC no período, assim como as atividades de articulação política motivadas, direta ou indiretamente, para a obtenção dos referidos dados e informações. Concluiu-se que tais atividades contribuíram destacadamente na obtenção desses dados e informações.Palavras-chave: Articulação política. Avaliação de políticas públicas. Inclusão financeira. Banco Central do Brasil. AbstractT his article analyzes the relationship between (i) political articulation activities created to obtain data and information necessary to evaluate a public policy and (ii) the availability (or unavailability) of such data and information. We studied the financial inclusion policy conducted by the Central Bank of Brazil (BC) from 2009 to 2012 as a case study. The main financial inclusion initiatives related to this policy and promoted by BC in the period are described, as well as the political articulation needed, directly or indirectly, to obtain such data and information. The article concludes that political articulation activities contribute significantly to obtain data and information to evaluate a public policy.

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“…Due to stringent security requirements and intricate compliance issues the cost of infrastructure surges manifolds. Ignacio (2009) has done detailed analysis of cost of opening and running a branch [1].…”

Section: Cost Of Starting and Operating Branchesmentioning

confidence: 99%

“…Most national banks have branches in all major cities and in few smaller towns and some in remote and rural areas. Most of the branches in rural areas are not viable and profitable to the banks (Ignacio, 2009 [1]) but they still operate them for repute and accolade. Cost of operating non-viable branches percolates as high cost on per transaction of the Bank.…”

Section: Introductionmentioning

confidence: 99%

New Interface Protocol to Connect Multiple Bank Networks from a Single Outlet

Prakash¹,

Jha²

2012

IJCA

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We propose an innovative interface protocol that will allow an access to multiple banks from a single outlet. This will enable a single branch to serve customers of several banks. This will in essence deleverage infrastructure of branch from banking business, allow banks to focus on service and product and not infrastructure, which is not its core competency. Having common branch will drastically reduce the number of branches required for given population and area; this will reduce operational cost of banking by manifolds.Protocol we propose uses dynamic network switching of the multiple networks to allow the common interface to access the API of different participating banks. We propose a scalable model which could harness Cloud computing if the load on the infrastructure is high. We have also given justification for the need of Cost saving for bank branches and potential benefits of implementing the proposed model.

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The Economics of Branchless Banking

Cited by 82 publications

References 1 publication

Inclusive Financial Markets: Is Transformation Under Way in Kenya?

Inclusive Financial Markets: Is Transformation Under Way in Kenya?

Articulação política na avaliação da inclusão financeira promovida pelo Banco Central do Brasil

New Interface Protocol to Connect Multiple Bank Networks from a Single Outlet

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