Footnotes (1)



Pathways to Smarter Digital Financial Inclusion

Ignacio Mas

Tufts University

David Porteous

Bankable Frontier Associates

November 22, 2014

Forthcoming in the Journal of Financial Transformation, issue 42, 2015.

We can now easily imagine a situation within the next ten years where most people will have a smart phone. We explore new pathways this will open up for extending financial services to the mass of the population who currently are distrustful of financial institutions and dubious of the value that their services can bring to them. The pathways are based on the assumption that smart phones can be used to deliver engaging customer experiences that gives less privileged customers more voice and lets providers form an increasingly granular understanding of these customers. But the pathways reflect a diversity of ways in which they might be included: as individuals about whom providers go out of their way to collect data; as employees and customers of local businesses through or with the support of whom they are able to pluck some relevant financial services; and as active managers of a web of socio-financial relationships that allows them to leverage those that are fortunate enough to have access to formal financial services.

Number of Pages in PDF File: 16

Keywords: mobile money, mobile banking, financial inclusion, access to finance, branchless banking, smart phones

Open PDF in Browser Download This Paper

Date posted: June 6, 2011 ; Last revised: October 10, 2015

Suggested Citation

Mas, Ignacio and Porteous, David, Pathways to Smarter Digital Financial Inclusion (November 22, 2014). Forthcoming in the Journal of Financial Transformation, issue 42, 2015.. Available at SSRN: http://ssrn.com/abstract=1858377 or http://dx.doi.org/10.2139/ssrn.1858377

Contact Information

Ignacio Mas (Contact Author)
Tufts University ( email )
Medford, MA 02155
United States
David Porteous
Bankable Frontier Associates ( email )
Suite 303
48 Grove Street
Somerville, MA 02144
United States
Feedback to SSRN

Paper statistics
Abstract Views: 1,556
Downloads: 501
Download Rank: 36,068
Footnotes:  1

© 2015 Social Science Electronic Publishing, Inc. All Rights Reserved.  FAQ   Terms of Use   Privacy Policy   Copyright   Contact Us
This page was processed by apollo4 in 0.406 seconds