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Banking the Poor Through Everyday Stores

Ignacio Mas


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

Accepted Paper Series

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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)
Independent ( email )
No Address Available
Mireya Almazán
Independent ( email )
Feedback to SSRN

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