| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w25354 |
| 来源ID | Working Paper 25354 |
| Can Mobile-Linked Bank Accounts Bolster Savings? Evidence from a Randomized Controlled Trial in Sri Lanka | |
| Suresh De Mel; Craig McIntosh; Ketki Sheth; Christopher Woodruff | |
| 发表日期 | 2018-12-10 |
| 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 | Financial Economics ; Financial Institutions ; Development and Growth ; Development |
| URL | https://www.nber.org/papers/w25354 |
| 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/583027 |
| 推荐引用方式 GB/T 7714 | Suresh De Mel,Craig McIntosh,Ketki Sheth,et al. Can Mobile-Linked Bank Accounts Bolster Savings? Evidence from a Randomized Controlled Trial in Sri Lanka. 2018. |
| 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 | ||
| w25354.pdf（834KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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