全球智库信息集成服务系统(G2TT): Mobile Banking: The Impact of M-Pesa in Kenya

G2TT

来源类型	Working Paper
规范类型	报告
DOI	10.3386/w17129
来源ID	Working Paper 17129
	Mobile Banking: The Impact of M-Pesa in Kenya
	Isaac Mbiti; David N. Weil
发表日期	2011-06-16
出版年	2011
语种	英语
摘要	M-Pesa is a mobile phone based money transfer system in Kenya which grew at a blistering pace following its inception in 2007. We examine how M-Pesa is used as well as its economic impacts. Analyzing data from two waves of individual data on financial access in Kenya, we find that increased use of M-Pesa lowers the propensity of people to use informal savings mechanisms such as ROSCAS, but raises the probability of their being banked. Using aggregate data, we calculate the velocity of M-Pesa at roughly four person-to-person transfers per month. In addition, we find that M-Pesa causes decreases in the prices of competing money transfer services such as Western Union. While we find little evidence that people use their M-Pesa accounts as a place to store wealth, our results suggest that M-Pesa improves individual outcomes by promoting banking and increasing transfers.
主题	Macroeconomics ; Money and Interest Rates ; Development and Growth ; Development ; Innovation and R& ; D
URL	https://www.nber.org/papers/w17129
来源智库	National Bureau of Economic Research (United States)
引用统计
资源类型	智库出版物
条目标识符	http://119.78.100.153/handle/2XGU8XDN/574803
推荐引用方式 GB/T 7714	Isaac Mbiti,David N. Weil. Mobile Banking: The Impact of M-Pesa in Kenya. 2011.

条目包含的文件
文件名称/大小	资源类型	版本类型	开放类型	使用许可
w17129.pdf（500KB）	智库出版物		限制开放	CC BY-NC-SA	浏览