Poor People Using Mobile Financial Services : Observations on Customer Usage and Impact from M-PESA

Despite growing agreement on the potential of technology to expand access to finance, or branchless banking, there is surprisingly little data publicly available about low-income users. This brief draws on some of the first ethnographic research on...

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Main Authors:	Morawczynski, Olga, Pickens, Mark
Format:	Brief
Language:	English
Published:	World Bank, Washington, DC 2012
Subjects:	ACCESS TO FINANCE BANK ACCOUNT BANKS BUS BUS COMPANY COMMERCIAL BANK DEPOSIT DEPOSITS FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL TRANSACTIONS HOUSEHOLD INCOME HUSBANDS INCOME INCOME SUPPORT INFORMAL SAVINGS JOURNEY LENDERS LIQUIDITY LUMP SUM TRANSFERS MERCHANTS MOBILE PHONE MOBILE PHONES MOBILE SERVICE MONEY TRANSFER MONEY TRANSFERS POOR POOR PEOPLE RAILWAY REMITTANCE REMITTANCES RESULT ROADS RURAL RURAL AREAS RURAL HOMES RURAL HOUSEHOLD RURAL HOUSEHOLD INCOME RURAL RESIDENTS RURAL VILLAGES RURAL WOMEN SAVINGS SAVINGS ACCOUNT SAVINGS MECHANISM SAVINGS MECHANISMS SAVINGS PRODUCTS SERVICE PROVIDER SERVICE PROVIDERS TRANSACTION TRANSPORT TRANSPORT COSTS TRIPS TYPES OF USERS URBAN AREAS USER USERS USES VILLAGE WAGES WEB WEB SITE
Online Access:	http://documents.worldbank.org/curated/en/2009/08/11064883/poor-people-using-mobile-financial-services-observations-customer-usage-impact-m-pesa http://hdl.handle.net/10986/9492

id	okr-10986-9492
recordtype	oai_dc
spelling	okr-10986-94922021-04-23T14:02:45Z Poor People Using Mobile Financial Services : Observations on Customer Usage and Impact from M-PESA Morawczynski, Olga Pickens, Mark ACCESS TO FINANCE BANK ACCOUNT BANKS BUS BUS COMPANY COMMERCIAL BANK DEPOSIT DEPOSITS FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL TRANSACTIONS HOUSEHOLD INCOME HUSBANDS INCOME INCOME SUPPORT INFORMAL SAVINGS JOURNEY LENDERS LIQUIDITY LUMP SUM TRANSFERS MERCHANTS MOBILE PHONE MOBILE PHONES MOBILE SERVICE MONEY TRANSFER MONEY TRANSFERS POOR POOR PEOPLE RAILWAY REMITTANCE REMITTANCES RESULT ROADS RURAL RURAL AREAS RURAL HOMES RURAL HOUSEHOLD RURAL HOUSEHOLD INCOME RURAL RESIDENTS RURAL VILLAGES RURAL WOMEN SAVINGS SAVINGS ACCOUNT SAVINGS MECHANISM SAVINGS MECHANISMS SAVINGS PRODUCTS SERVICE PROVIDER SERVICE PROVIDERS TRANSACTION TRANSPORT TRANSPORT COSTS TRIPS TYPES OF USERS URBAN AREAS USER USERS USES VILLAGE WAGES WEB WEB SITE Despite growing agreement on the potential of technology to expand access to finance, or branchless banking, there is surprisingly little data publicly available about low-income users. This brief draws on some of the first ethnographic research on Mobile-Swahili for money (M-PESA), one of the earliest success stories in mobile phone-based delivery of financial services. The research offers insights into how poor people use M-PESA, its impact on their lives, and some unexpected consequences. 2012-08-13T08:45:24Z 2012-08-13T08:45:24Z 2009-08 http://documents.worldbank.org/curated/en/2009/08/11064883/poor-people-using-mobile-financial-services-observations-customer-usage-impact-m-pesa http://hdl.handle.net/10986/9492 English CGAP Brief CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank World Bank, Washington, DC Publications & Research :: Brief Publications & Research
repository_type	Digital Repository
institution_category	Foreign Institution
institution	Digital Repositories
building	World Bank Open Knowledge Repository
collection	World Bank
language	English
topic	ACCESS TO FINANCE BANK ACCOUNT BANKS BUS BUS COMPANY COMMERCIAL BANK DEPOSIT DEPOSITS FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL TRANSACTIONS HOUSEHOLD INCOME HUSBANDS INCOME INCOME SUPPORT INFORMAL SAVINGS JOURNEY LENDERS LIQUIDITY LUMP SUM TRANSFERS MERCHANTS MOBILE PHONE MOBILE PHONES MOBILE SERVICE MONEY TRANSFER MONEY TRANSFERS POOR POOR PEOPLE RAILWAY REMITTANCE REMITTANCES RESULT ROADS RURAL RURAL AREAS RURAL HOMES RURAL HOUSEHOLD RURAL HOUSEHOLD INCOME RURAL RESIDENTS RURAL VILLAGES RURAL WOMEN SAVINGS SAVINGS ACCOUNT SAVINGS MECHANISM SAVINGS MECHANISMS SAVINGS PRODUCTS SERVICE PROVIDER SERVICE PROVIDERS TRANSACTION TRANSPORT TRANSPORT COSTS TRIPS TYPES OF USERS URBAN AREAS USER USERS USES VILLAGE WAGES WEB WEB SITE
spellingShingle	ACCESS TO FINANCE BANK ACCOUNT BANKS BUS BUS COMPANY COMMERCIAL BANK DEPOSIT DEPOSITS FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL TRANSACTIONS HOUSEHOLD INCOME HUSBANDS INCOME INCOME SUPPORT INFORMAL SAVINGS JOURNEY LENDERS LIQUIDITY LUMP SUM TRANSFERS MERCHANTS MOBILE PHONE MOBILE PHONES MOBILE SERVICE MONEY TRANSFER MONEY TRANSFERS POOR POOR PEOPLE RAILWAY REMITTANCE REMITTANCES RESULT ROADS RURAL RURAL AREAS RURAL HOMES RURAL HOUSEHOLD RURAL HOUSEHOLD INCOME RURAL RESIDENTS RURAL VILLAGES RURAL WOMEN SAVINGS SAVINGS ACCOUNT SAVINGS MECHANISM SAVINGS MECHANISMS SAVINGS PRODUCTS SERVICE PROVIDER SERVICE PROVIDERS TRANSACTION TRANSPORT TRANSPORT COSTS TRIPS TYPES OF USERS URBAN AREAS USER USERS USES VILLAGE WAGES WEB WEB SITE Morawczynski, Olga Pickens, Mark Poor People Using Mobile Financial Services : Observations on Customer Usage and Impact from M-PESA
relation	CGAP Brief
description	Despite growing agreement on the potential of technology to expand access to finance, or branchless banking, there is surprisingly little data publicly available about low-income users. This brief draws on some of the first ethnographic research on Mobile-Swahili for money (M-PESA), one of the earliest success stories in mobile phone-based delivery of financial services. The research offers insights into how poor people use M-PESA, its impact on their lives, and some unexpected consequences.
format	Publications & Research :: Brief
author	Morawczynski, Olga Pickens, Mark
author_facet	Morawczynski, Olga Pickens, Mark
author_sort	Morawczynski, Olga
title	Poor People Using Mobile Financial Services : Observations on Customer Usage and Impact from M-PESA
title_short	Poor People Using Mobile Financial Services : Observations on Customer Usage and Impact from M-PESA
title_full	Poor People Using Mobile Financial Services : Observations on Customer Usage and Impact from M-PESA
title_fullStr	Poor People Using Mobile Financial Services : Observations on Customer Usage and Impact from M-PESA
title_full_unstemmed	Poor People Using Mobile Financial Services : Observations on Customer Usage and Impact from M-PESA
title_sort	poor people using mobile financial services : observations on customer usage and impact from m-pesa
publisher	World Bank, Washington, DC
publishDate	2012
url	http://documents.worldbank.org/curated/en/2009/08/11064883/poor-people-using-mobile-financial-services-observations-customer-usage-impact-m-pesa http://hdl.handle.net/10986/9492
_version_	1764409556596686848

Poor People Using Mobile Financial Services : Observations on Customer Usage and Impact from M-PESA

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