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Banking the Poor Through Everyday Stores

Ignacio Mas

University of Oxford - Said Business School; Tufts University

Mireya Almazán


December 3, 2010

Innovations, Vol. 6, No. 1, Spring 2011

This paper reviews the opportunities and strategic choices facing banks considering branchless banking options. Technology, and in particular the spread of real-time mobile communications networks, permits financial service providers to delegate 'last mile' cash management and customer servicing functions to third-party retail outlets. By making basic deposit, withdrawal, and payment functions available securely through retail shops that exist in every village and neighborhood, there is an opportunity to dramatically increase the physical footprint of financial service providers in developing countries and to transform the basic economics of low-balance savings.

Number of Pages in PDF File: 14

Keywords: Branchless Banking, Financial Access, Financial Inclusion, Microfinance

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Date posted: December 4, 2010 ; Last revised: June 28, 2011

Suggested Citation

Mas, Ignacio and Almazán, Mireya, Banking the Poor Through Everyday Stores (December 3, 2010). Innovations, Vol. 6, No. 1, Spring 2011. Available at SSRN: http://ssrn.com/abstract=1719580

Contact Information

Ignacio Mas (Contact Author)
University of Oxford - Said Business School ( email )
Park End Street
Oxford, OX1 1HP
Great Britain
Tufts University ( email )
Medford, MA 02155
United States
Mireya Almazán
Independent ( email )
Feedback to SSRN

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