相关论文: Effect of mobile financial services on financial b…

Rapid rise in income inequality in India is a serious concern. While the emphasis is on inclusive growth, it seems difficult to tackle the problem without looking at the intricacies of the problem. Social mobility is one such important tool…

All over the world, the population in rural and semi-urban areas is a major concern for policy makers as they require technology enablement most to get elevated from their living conditions. Financial Inclusion projects are meant to work in…

A growing trend in financial technology (fintech) is the use of mobile phone data and machine learning (ML) to provide credit scores- and subsequently, opportunities to access loans- to groups left out of traditional banking. This paper…

Myanmar is languishing at the bottom of key international indexes. United Nations considers the country as a structurally weak and vulnerable economy. Yet, from 2011 when Myanmar ended decades of military rule and isolationism and transited…

Portfolio underdiversification is one of the most costly losses accumulated over a household's life cycle. We provide new evidence on the impact of financial inclusion services on households' portfolio choice and investment efficiency using…

The diverse range of Internet enabled devices both mobile and fixed has not only impacted the global economy but the very fabric of human communications and lifestyles. The ease of access and lowered cost has enabled hitherto diametrically…

The proliferation of internet technology has catalyzed the rapid development of digital finance, significantly impacting the optimization of resource allocation in China and exerting a substantial and enduring influence on the structure of…

The ongoing COVID-19 pandemic risks wiping out years of progress made in reducing global poverty. In this paper, we explore to what extent financial inclusion could help mitigate the increase in poverty using cross-country data across 78…

The paper presents findings from a comprehensive study examining the saving and credit behaviors of low-income households residing in unauthorized colonies within a metropolitan area. Utilizing a dual approach, the study engaged in…

In the following study, we inquire into the financial inclusion from a demand side perspective. Utilizing IHDS round-1 (2004-05) and round-2 (2011-12), starting from a broad picture of demand side access to finance at the country level, we…

Many households in developing countries lack formal financial histories, making it difficult for firms to extend credit, and for potential borrowers to receive it. However, many of these households have mobile phones, which generate rich…

Phone sharing is pervasive in many low- and middle-income countries, affecting how millions of people interact with technology and each other. Yet there is very little quantitative evidence available on the extent or nature of phone sharing…

The COVID-19 pandemic presents challenges to both public health and the economy. Our objective is to examine how household expenditure, a significant component of private demand, reacts to changes in mobility. This investigation is crucial…

Reliable statistical information is important to make political decisions on a sound basis and to help measure the impact of policies. Unfortunately, statistics offices in developing countries have scarce resources and statistical censuses…

The presence of Super-Apps have changed the way we think about the interactions between users and commerce. It then comes as no surprise that it is also redefining the way banking is done. The paper investigates how different interactions…

Mobile phone data have played a key role in quantifying human mobility during the COVID-19 pandemic. Existing studies on mobility patterns have primarily focused on regional aggregates in high-income countries, obfuscating the accentuated…

Recent studies have shown the value of mobile phone data to tackle problems related to economic development and humanitarian action. In this research, we assess the suitability of indicators derived from mobile phone data as a proxy for…

This paper explores the dual impact of digital banks and alternative lenders on financial inclusion and the regulatory challenges posed by their business models. It discusses the integration of digital platforms, machine learning (ML), and…

Digital Financial Services continue to expand and replace the delivery of traditional banking services to the customers through innovative technologies to meet the growing complex needs and globalization challenges. These diversified…

This study leverages mobile phone data to analyze human mobility patterns in developing countries, especially in comparison to more industrialized countries. Developing regions, such as the Ivory Coast, are marked by a number of factors…