Ignacio Mas

Tufts University

CEME Senior Fellow, Fletcher School

Medford, MA 02155

United States

SCHOLARLY PAPERS

49

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62,337

SSRN CITATIONS

40

CROSSREF CITATIONS

118

Scholarly Papers (49)

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1.

Pathways to Smarter Digital Financial Inclusion

CAPCO Institute´s Journal of Financial Transformation,Vol. 42, October 2015
Number of pages: 16 Posted: 06 Jun 2011 Last Revised: 23 Dec 2015
Ignacio Mas and David Porteous
Tufts University and Bankable Frontier Associates
Downloads 4,635 (4,099)
Citation 1

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

2.

Scaling Mobile Money

Journal of Payments Strategy & Systems, Vol. 5, No. 3, September 2011
Number of pages: 19 Posted: 23 Sep 2010 Last Revised: 02 Jan 2012
Ignacio Mas and Daniel Radcliffe
Tufts University and Bill and Melinda Gates Foundation
Downloads 4,182 (4,853)
Citation 1

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3.

Branchless and Mobile Banking Solutions for the Poor: A Survey

Innovations, Vol. 6, No. 4, Fall 2011
Number of pages: 18 Posted: 24 Jan 2011 Last Revised: 17 Aug 2014
Ahmed Dermish, Christoph Kneiding, Paul Leishman and Ignacio Mas
Bankable Frontier Associates, World Bank - Consultative Group to Assist the Poor (CGAP), affiliation not provided to SSRN and Tufts University
Downloads 3,834 (5,588)
Citation 5

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Money, Access to Finance, Financial Inclusion, Mobile Banking, Branchless Banking

4.

Mobile Payments Go Viral: M-PESA in Kenya

Capco Institute’s Journal of Financial Transformation, No. 32, p. 169, August 2011, YES AFRICA CAN: SUCCESS STORIES FROM A DYNAMIC CONTINENT, P. Chuhan-Pole and M. Angwafo, eds., World Bank, August 2011
Number of pages: 15 Posted: 21 Apr 2010 Last Revised: 20 Sep 2011
Ignacio Mas and Daniel Radcliffe
Tufts University and Bill and Melinda Gates Foundation
Downloads 3,568 (6,302)
Citation 2

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mobile banking, e-payments, microfinance

5.

The Coming of Age of Digital Payments as a Field of Expertise

Journal of Law, Technology & Policy, Issue 1, pp 71-87, 2016
Number of pages: 17 Posted: 14 Feb 2010 Last Revised: 09 Dec 2016
Ross P. Buckley and Ignacio Mas
University of New South Wales (UNSW) - UNSW Law & Justice and Tufts University
Downloads 3,506 (6,501)
Citation 3

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Digital Payments, Banking, Digital Financial Services

6.

Why you Should Care about Bitcoin – Even if you don´t Believe in it

Number of pages: 29 Posted: 28 Feb 2011 Last Revised: 24 Apr 2014
Ignacio Mas
Tufts University
Downloads 3,148 (7,716)

Abstract:

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savings, access to finance, financial inclusion

7.

Money Resolutions, Digital Simulations

Number of pages: 19 Posted: 20 Feb 2010 Last Revised: 25 Jul 2015
Ignacio Mas
Tufts University
Downloads 2,877 (8,844)
Citation 1

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Microfinance, access to finance, financial inclusion, mobile money, digital financial services, portfolios of the poor

8.

The Early Experience with Branchless Banking

CGAP Focus Note, No. 46, April 2008
Number of pages: 16 Posted: 09 Aug 2010
Gautam Ivatury and Ignacio Mas
affiliation not provided to SSRN and Tufts University
Downloads 2,794 (9,270)
Citation 2

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Branchless Banking, Microfinance, Electronic Payments

9.

Shifting Branchless Banking Regulation from Enabling to Fostering Competition

Banking & Finance Law Review, Vol. 30, No. 2, April 2015
Number of pages: 31 Posted: 15 Oct 2010 Last Revised: 06 Jun 2015
Ignacio Mas
Tufts University
Downloads 2,718 (9,713)
Citation 3

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Financial Access, Financial Inclusion, Mobile Banking, Electronic Money, Branchless Banking, ICT For Development

10.

Designing Mobile Money Services: Lessons from M-PESA

Innovations, Vol. 4, No. 2, 2009
Number of pages: 18 Posted: 15 Feb 2010 Last Revised: 29 Nov 2010
Ignacio Mas and Olga Morawczynski
Tufts University and affiliation not provided to SSRN
Downloads 2,067 (14,990)
Citation 21

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Mobile Banking, Retail Payments, Branchless Banking, Microfinance

11.

Savings as Forward Payments: Innovations on Mobile Money Platforms

Chapter 10 in "Financial inclusion for poverty alleviation: Banking on the unbanked." Essam Yassin Mohammed and Zenebe Bashaw Uraguchi (eds). London: Routledge.
Number of pages: 11 Posted: 29 Apr 2011 Last Revised: 21 Feb 2018
Ignacio Mas
Tufts University
Downloads 2,058 (15,107)
Citation 7

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Mobile money, mobile banking, electronic payments, branchless banking, access to finance, financial inclusion, financial systems, financial sector development, banking

12.

Strains of Digital Money

Capco Journal of Financial Transformation, No. 44, November 2016
Number of pages: 15 Posted: 19 Dec 2010 Last Revised: 09 Dec 2016
Ignacio Mas
Tufts University
Downloads 2,011 (15,644)

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Access to Finance, Financial Inclusion, Banking Regulation, Branchless Banking, digital financial services, mobile banking

13.

Banking on Mobiles: Why, How, for Whom?

CGAP Focus Note, No. 48, June 2008
Number of pages: 28 Posted: 09 Aug 2010 Last Revised: 22 Aug 2010
Ignacio Mas and Kabir Kumar
Tufts University and affiliation not provided to SSRN
Downloads 1,756 (19,404)
Citation 1

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Mobile Banking, Branchless Banking, Electronic Payments, Microfinance

14.

Minding the Identity Gaps

Innovations, MIT Press, Volume 10, No. 1-2, Winter-Spring 2015
Number of pages: 24 Posted: 16 Dec 2012 Last Revised: 23 Dec 2015
Ignacio Mas and David Porteous
Tufts University and Bankable Frontier Associates
Downloads 1,497 (24,815)

Abstract:

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identity, financial inclusion

15.

Using Broadband to Enhance Financial Inclusion

Inter American Development Bank, Capital Markets and Financial Institutions Division, Discussion Paper Nº IDB-DP-427.
Number of pages: 62 Posted: 20 Feb 2010 Last Revised: 03 Apr 2016
Ignacio Mas
Tufts University
Downloads 1,383 (27,870)

Abstract:

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financial inclusion, broadband

16.

The Next Digital Finance Frontier: Filling the Accounts

FSDT Focus Note, January 2016
Number of pages: 8 Posted: 15 Jan 2012 Last Revised: 18 Feb 2016
Innocent Ephraim, Ignacio Mas and Daniel Mhina
FSDT, Tufts University and FSDT
Downloads 1,373 (28,177)

Abstract:

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electronic payments, mobile money, electronic money, branchless banking, access to finance, financial inclusion, microfinance

17.

Beyond Products: Building Integrated Customer Experiences on Mobile Phones

The New Microfinance Handbook, by Joanna Ledgerwood (ed.), The World Bank, February 2013
Number of pages: 21 Posted: 09 Mar 2012 Last Revised: 03 Mar 2013
Ignacio Mas
Tufts University
Downloads 1,364 (28,422)
Citation 2

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mobile money, mobile banking, mobile payments, e-payments, financial inclusion, access to finance, microfinance, microsavings

18.

Regulating New Banking Models that Can Bring Financial Services to All

Challenge Magazine, Vol. 54, No. 3, pp. 116-134, May/June 2011
Number of pages: 19 Posted: 26 Aug 2010 Last Revised: 21 May 2011
Claire Alexandre, Ignacio Mas and Daniel Radcliffe
Bill and Melinda Gates Foundation, Tufts University and Bill and Melinda Gates Foundation
Downloads 1,356 (28,647)
Citation 2

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19.

Product Innovations on Mobile Money

European Journal of Business and Management, Vol. 6, No. 19, June 2014
Number of pages: 20 Posted: 13 Nov 2010 Last Revised: 01 Jul 2014
Ignacio Mas and Mireya Almazán
Tufts University and Independent
Downloads 1,151 (36,370)
Citation 1

Abstract:

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financial services for the poor, financial inclusion, financial access, mobile banking, mobile money

20.

Deposit Insurance in Developing Countries

World Bank Policy Research Working Paper No. 548
Number of pages: 120 Posted: 20 Apr 2016
Samuel Talley and Ignacio Mas
Independent and Tufts University
Downloads 984 (45,500)
Citation 1

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Banks & Banking Reform, Financial Crisis Management & Restructuring, Insurance & Risk Mitigation, Financial Intermediation, Insurance Law

21.

Banking the Poor Through Everyday Stores

Innovations, Vol. 6, No. 1, Spring 2011
Number of pages: 14 Posted: 04 Dec 2010 Last Revised: 28 Jun 2011
Ignacio Mas and Mireya Almazán
Tufts University and Independent
Downloads 953 (47,585)

Abstract:

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Branchless Banking, Financial Access, Financial Inclusion, Microfinance

22.

Bridges to Cash: The Retail End of M-PESA

Savings & Development, Vol. 34, No. 2, 2010
Number of pages: 34 Posted: 09 Aug 2010 Last Revised: 14 Jul 2011
Frederik Eijkman, Jake Kendall and Ignacio Mas
affiliation not provided to SSRN, University of Washington, CSE and Tufts University
Downloads 937 (48,716)
Citation 10

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Mobile Money, Retail Banking, Microfinance, Electronic Payments, Kenya

23.

Fertile Grounds for Mobile Money: Towards a Framework for Analyzing Enabling Environments

Enterprise Development and Microfinance, Vol. 22, No. 1, March 2011
Number of pages: 15 Posted: 21 Apr 2010 Last Revised: 12 Jun 2014
Amrik Heyer and Ignacio Mas
affiliation not provided to SSRN and Tufts University
Downloads 923 (49,745)

Abstract:

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mobile banking, e-payments, microfinance

24.

The Economics of Branchless Banking

Innovations, Vol. 4, No. 2, 2009
Number of pages: 22 Posted: 15 Feb 2010 Last Revised: 29 Nov 2010
Ignacio Mas
Tufts University
Downloads 843 (56,315)
Citation 2

Abstract:

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Mobile Banking, e-Payments, Branchless Banking, Microfinance

25.

Savings for the Poor: Banking on Mobile Phones

World Economics, Vol. 11, No. 4, Oct.-Dec. 2010
Number of pages: 12 Posted: 25 Aug 2010 Last Revised: 12 Jun 2014
Ignacio Mas
Tufts University
Downloads 804 (60,067)
Citation 3

Abstract:

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Microfinance, Financial Access, Financial Inclusion, Branchless Banking

26.

Going Cashless at the Point of Sale: Hits and Misses in Developed Countries

CGAP Focus Note, No. 51, December 2008
Number of pages: 28 Posted: 09 Aug 2010 Last Revised: 22 Aug 2010
Ignacio Mas and Sarah Rotman
Tufts University and CGAP
Downloads 763 (64,435)

Abstract:

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Mobile Banking, Electronic Payments, Smartcards

27.

Money Resolutions, a Sketchbook

Number of pages: 33 Posted: 06 Mar 2011 Last Revised: 22 Jul 2015
Ignacio Mas
Tufts University
Downloads 738 (67,297)
Citation 2

Abstract:

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microfinance, access to finance, financial inclusion

28.

Realizing the Potential of Branchless Banking: Challenges Ahead

CGAP Focus Note, No. 50, October 2008
Number of pages: 20 Posted: 09 Aug 2010
Ignacio Mas
Tufts University
Downloads 737 (67,414)

Abstract:

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Branchless Banking, Mobile Banking, Microfinance, Electronic Payments

29.

Banking Through Networks of Retail Agents

CGAP Focus Note, No. 47, May 2008
Number of pages: 24 Posted: 09 Aug 2010 Last Revised: 22 Aug 2010
Ignacio Mas and Hannah Siedek
Tufts University and affiliation not provided to SSRN
Downloads 573 (92,737)

Abstract:

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Branchless Banking, Microfinance, Electronic Payments

30.

Why Doesn't Every Kenyan Business Have a Mobile Money Account?

FSD Insights, Issue 4, April 2012
Number of pages: 12 Posted: 25 Apr 2012
Ignacio Mas and Amolo Ng'weno
Tufts University and affiliation not provided to SSRN
Downloads 567 (93,999)
Citation 1

Abstract:

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mobile money, mobile payments, electronic payments, financial access, financial inclusion, private sector development

31.

Smart Banknotes: A Proposal for Bank Notes that Bridge the Gap Between Physical and Electronic Money

The Futurist, Vol. 5, No. 1, January-February 2011
Number of pages: 5 Posted: 05 Oct 2010 Last Revised: 10 Aug 2014
Ignacio Mas
Tufts University
Downloads 555 (96,552)

Abstract:

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electronic money, digital money, branchless banking, mobile banking

32.

Where's the Cash? The Geography of Cash Points in Tanzania

FSDT Focus Note, No. 2, 2013
Number of pages: 13 Posted: 02 Jul 2011 Last Revised: 12 Nov 2014
Ignacio Mas and Andrew Elliott
Tufts University and CABDyN, Saïd Business School, University of Oxford
Downloads 497 (110,643)

Abstract:

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mobile money, access to finance, cash

33.

Exploring Business Pathways to Digital Financial Inclusion: Early Indications from a Field Visit to Ghana and Tanzania

The Mobile Financial Services Development Report, May 2011
Number of pages: 24 Posted: 04 Apr 2011 Last Revised: 06 Nov 2015
Ignacio Mas, Shirley Mburu, David Porteous and David del Ser
Tufts University, Bankable Frontier Associates, Bankable Frontier Associates and Bankable Frontier Associates
Downloads 471 (117,944)

Abstract:

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Savings, mobile money, mobile banking, mobile payments, branchless banking, financial inclusion, microfinance, access to finance

34.

A Digital Money Grid for Modern Citizenship: Latin American Scenarios, 2015-25

Number of pages: 36 Posted: 15 Dec 2010 Last Revised: 14 Jul 2015
S. Andrade and Ignacio Mas
affiliation not provided to SSRN and Tufts University
Downloads 469 (118,567)

Abstract:

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electronic payments, financial access, financial inclusion, mobile banking, government payments

35.

Designing Successful Distribution Strategies for Digital Money

Number of pages: 36 Posted: 09 Aug 2010 Last Revised: 07 Jul 2015
Ignacio Mas and Mike McCaffrey
Tufts University and Ulana Insights
Downloads 454 (123,176)

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Branchless Banking, Microfinance, Electronic Payment Networks, agent networks, digital money, mobile money

36.

Searching for Metaphors of Household Financial Management

Number of pages: 58 Posted: 29 Aug 2012 Last Revised: 25 May 2013
Ignacio Mas and Premasis Mukherjee
Tufts University and MicroSave
Downloads 441 (127,423)

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financial management, money management, financial planning, financial inclusion, access to finance, mobile money, mobile banking

37.

Digitizing the Kaleidoscope of Informal Financial Practices

Journal of Business Management & Social Science Research, Vol. 3, No. 5, May 2014
Number of pages: 12 Posted: 26 Nov 2013 Last Revised: 21 May 2014
Ignacio Mas
Tufts University
Downloads 427 (132,326)
Citation 2

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financial inclusion, microfinance, savings, financial planning, mobile money

38.

The Utility of Retail Payments in Addressing the Financial Inclusion Gap in Developing Countries

Lydian Payments Journal, No. 1, November 2010
Number of pages: 7 Posted: 21 Oct 2010 Last Revised: 08 Nov 2010
Ignacio Mas
Tufts University
Downloads 400 (142,722)

Abstract:

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mobile money, electronic payments, branchless banking, financial access, financial inclusion, microfinance

39.

Business Primitives: Enabling Payment Lifecycles through Software

FSD insights, Issue 9, July 2015
Number of pages: 8 Posted: 15 Feb 2010 Last Revised: 25 Jul 2015
Ben Lyon and Ignacio Mas
Independent and Tufts University
Downloads 389 (147,278)

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e-Payments, Mobile Banking, digital payments, mobile payments

40.

Banking for the Poor: State-of-the-Art Financial Offerings for the Developing World

The International Economy, Fall 2010
Number of pages: 4 Posted: 15 Nov 2010 Last Revised: 02 Nov 2013
Ignacio Mas
Tufts University
Downloads 353 (163,955)

Abstract:

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access to finance, financial inclusion, mobile payments, mobile phones, branchless banking

41.

The Role of Mobile Operators in Expanding Access to Finance

CGAP Brief, May 2009
Number of pages: 4 Posted: 09 Aug 2010 Last Revised: 10 Aug 2014
Ignacio Mas and Jim Rosenberg
Tufts University and World Bank - Consultative Group to Assist the Poor (CGAP)
Downloads 325 (179,201)

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Mobile Operators, Access to Finance, Microfinance, Branchless Banking

42.

Enabling Different Paths to Development of Mobile Money Ecosystems

Mobile Money for the Unbanked, Annual Report 2011
Number of pages: 5 Posted: 18 May 2011 Last Revised: 10 Sep 2014
Ignacio Mas
Tufts University
Downloads 318 (183,327)

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mobile money, mobile banking, branchless banking, financial inclusion, electronic payments, access to finance

43.

Transforming Access to Finance in Developing Countries Through Mobile Phones: Creating an Enabling Policy Framework

Banking & Finance Law Review, Vol. 27, No. 2, January 2012
Number of pages: 15 Posted: 06 Mar 2011 Last Revised: 28 Mar 2015
Ignacio Mas
Tufts University
Downloads 311 (187,591)

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Banking Regulation, Mobile Banking, Access to Finance, Branchless Banking, Financial Inclusion

44.

Are Banks and Microfinance Institutions Natural Partners in Financial Inclusion?

MicroSave Focus Note, Forthcoming
Number of pages: 19 Posted: 15 Jun 2012
Ignacio Mas, Akhand Tiwari, Alphina Jos, Denny George, Krishna Uma Mahesh Thacker, Nitin Garg, Raunak Kapoor, Shivshankar V., Swati Mehta and Vartika Shukla
Tufts University, affiliation not provided to SSRN, affiliation not provided to SSRN, affiliation not provided to SSRN, MicroSave, affiliation not provided to SSRN, affiliation not provided to SSRN, affiliation not provided to SSRN, Guru Nanak Dev University (GNDU) - Economics and affiliation not provided to SSRN
Downloads 239 (245,209)
Citation 4

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business correspondents, agent banking, microfinance, access to finance, financial inclusion

45.

Competition Aspects of New Mobile Payment Networks: The Case of Mobile Payments in Spain

Lydian Payments Journal, August 2010
Number of pages: 12 Posted: 20 Feb 2010 Last Revised: 10 Aug 2010
Ignacio Mas
Tufts University
Downloads 217 (268,761)

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Mobile payments, competition, Spain

46.

A Note on Macro-Financial Implications of Mobile Money Schemes

Frankfurt School - Working Paper No. 188
Number of pages: 24 Posted: 04 Apr 2012 Last Revised: 26 Dec 2012
Michael U. Klein and Ignacio Mas
Frankfurt School of Finance and Management and Tufts University
Downloads 194 (297,968)

Abstract:

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mobile money, electronic money

47.

Scaling Up Microsavings

MicroBanking Bulletin, No. 19, pp. 1-6, December 2009
Number of pages: 6 Posted: 30 Jan 2010 Last Revised: 05 Apr 2017
Christoph Kneiding, Ignacio Mas, Adrian Gonzalez and Sheila Miller
World Bank - Consultative Group to Assist the Poor (CGAP), Tufts University, Consumer Financial Protection Bureau and affiliation not provided to SSRN
Downloads 177 (323,404)

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Microfinance, Microsavings, Expansion Patterns, Intensive Growth, Extensive Growth

48.

Money, Decisions, and Control

CGAP Working Paper, 2017
Posted: 27 Jul 2017 Last Revised: 16 Apr 2020
Ignacio Mas and Gayatri Murthy
Tufts University and World Bank - Consultative Group to Assist the Poor (CGAP)

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Financial Inclusion, Mobile Money, Financial Management, Financial Education

49.

Three Keys to M-PESA’s Success: Branding, Channel Management and Pricing

Journal of Payments Strategy and Systems, Vol. 4, No. 4, December 2010
Posted: 21 Apr 2010 Last Revised: 02 Oct 2017
Ignacio Mas and Amolo Ng'weno
Tufts University and affiliation not provided to SSRN

Abstract:

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mobile banking, electronic payments, micro-savings, microfinance