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Citations (5)



Banking Through Networks of Retail Agents

Ignacio Mas

Tufts University; University of Oxford

Hannah Siedek

affiliation not provided to SSRN

May 1, 2008

CGAP Focus Note, No. 47, May 2008

Technology can enable banks and their customers to interact remotely in a trusted way through existing local retail outlets. Customers can be issued bank cards with appropriate personal identification number (PIN)-based or biometric security features, and the local store - the “banking agent” - can be equipped with a point-of-sale (POS) device controlled by and connected to the bank using a phone line or wireless or satellite technology. Infrastructure requirements can be further reduced by using mobile phones both to hold “virtual cards” for customers and as a POS device at the store.

Number of Pages in PDF File: 24

Keywords: Branchless Banking, Microfinance, Electronic Payments

Accepted Paper Series

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Date posted: August 9, 2010 ; Last revised: August 22, 2010

Suggested Citation

Mas, Ignacio and Siedek, Hannah, Banking Through Networks of Retail Agents (May 1, 2008). CGAP Focus Note, No. 47, May 2008. Available at SSRN: http://ssrn.com/abstract=1655259

Contact Information

Ignacio Mas (Contact Author)
Tufts University ( email )
Medford, MA 02155
United States
University of Oxford ( email )
Mansfield Road
Oxford, Oxfordshire OX1 4AU
United Kingdom
Hannah Siedek
affiliation not provided to SSRN ( email )
Feedback to SSRN

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Download Rank: 89,475
References:  4
Citations:  5

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