The Economics of Branchless Banking
Innovations, Vol. 4, No. 2, 2009
22 Pages Posted: 15 Feb 2010 Last revised: 29 Nov 2010
Date Written: April 1, 2009
Abstract
Provides a formal analysis of the economic drivers for branchless banking solutions. It exposes the design trade-offs that occur at the each of the key layers of service: the retail network (transaction acquisition), payments network (transaction aggregation and routing) and account/service platforms. It also reviews the volume drivers of various existing deployments.
Keywords: Mobile Banking, e-Payments, Branchless Banking, Microfinance
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