Ignacio Mas

Tufts University

CEME Senior Fellow, Fletcher School

Medford, MA 02155

United States

SCHOLARLY PAPERS

49

DOWNLOADS
Rank 444

SSRN RANKINGS

Top 444

in Total Papers Downloads

38,880

CITATIONS

111

Scholarly Papers (49)

1.

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
Bankable Frontier Associates, World Bank - Consultative Group to Assist the Poor (CGAP), affiliation not provided to SSRN and Tufts University
Downloads 3,185 (2,989)
Citation 1

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

2.

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 2,894 (3,514)
Citation 10

Abstract:

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mobile banking, e-payments, microfinance

3.

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 2,193 (5,594)
Citation 4

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4.

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 1,892 (7,209)
Citation 13

Abstract:

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Branchless Banking, Microfinance, Electronic Payments

5.

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 1,829 (7,658)
Citation 1

Abstract:

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

6.

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 1,814 (7,787)

Abstract:

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

7.

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 1,453 (11,127)

Abstract:

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savings, access to finance, financial inclusion

8.

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 1,409 (11,714)
Citation 7

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Mobile Banking, Branchless Banking, Electronic Payments, Microfinance

9.

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 1,401 (11,825)

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

10.

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) - Faculty of Law and Tufts University
Downloads 1,276 (13,698)

Abstract:

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Digital Payments, Banking, Digital Financial Services

11.

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 1,244 (14,252)
Citation 11

Abstract:

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Mobile Banking, Retail Payments, Branchless Banking, Microfinance

12.

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
Bill and Melinda Gates Foundation, Tufts University and Bill and Melinda Gates Foundation
Downloads 1,239 (14,355)
Citation 6

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13.

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 1,238 (14,367)

Abstract:

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

14.

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 928 (22,185)

Abstract:

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

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 882 (23,877)

Abstract:

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financial inclusion, broadband

16.

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 875 (24,144)

Abstract:

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

17.

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 703 (32,741)
Citation 4

Abstract:

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

18.

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 687 (33,817)

Abstract:

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

19.

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 686 (33,882)

Abstract:

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identity, financial inclusion

20.

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 682 (34,200)

Abstract:

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Microfinance, Financial Access, Financial Inclusion, Branchless Banking

21.

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 666 (35,324)
Citation 29

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

22.

Money Resolutions, Digital Simulations

Number of pages: 19 Posted: 20 Feb 2010 Last Revised: 25 Jul 2015
Ignacio Mas
Tufts University
Downloads 665 (35,380)

Abstract:

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

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 658 (35,886)
Citation 1

Abstract:

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mobile banking, e-payments, microfinance

24.

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 575 (42,846)

Abstract:

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Branchless Banking, Financial Access, Financial Inclusion, Microfinance

25.

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 575 (42,846)
Citation 9

Abstract:

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Mobile Banking, e-Payments, Branchless Banking, Microfinance

26.

Money Resolutions, a Sketchbook

Number of pages: 33 Posted: 06 Mar 2011 Last Revised: 22 Jul 2015
Ignacio Mas
Tufts University
Downloads 565 (43,782)

Abstract:

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microfinance, access to finance, financial inclusion

27.

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 556 (44,754)
Citation 3

Abstract:

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Branchless Banking, Mobile Banking, Microfinance, Electronic Payments

28.

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 426 (62,440)

Abstract:

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mobile money, access to finance, cash

29.

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 422 (63,134)

Abstract:

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

30.

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 417 (64,027)

Abstract:

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electronic money, digital money, branchless banking, mobile banking

31.

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 395 (68,371)
Citation 4

Abstract:

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Mobile Banking, Electronic Payments, Smartcards

32.

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 391 (69,144)

Abstract:

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

33.

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 349 (78,936)

Abstract:

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

34.

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 344 (80,279)
Citation 1

Abstract:

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

35.

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 341 (81,158)
Citation 5

Abstract:

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Branchless Banking, Microfinance, Electronic Payments

36.

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 338 (81,983)

Abstract:

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

37.

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
Tufts University, Bankable Frontier Associates, Bankable Frontier Associates and Bankable Frontier Associates
Downloads 330 (84,253)

Abstract:

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

38.

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 326 (85,357)

Abstract:

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

39.

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 312 (89,658)

Abstract:

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

40.

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 298 (94,308)

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

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 286 (98,645)
Citation 2

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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 272 (103,989)

Abstract:

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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 249 (114,059)

Abstract:

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

44.

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 184 (152,595)

Abstract:

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Mobile payments, competition, Spain

45.

Are Banks and Microfinance Institutions Natural Partners in Financial Inclusion?

MicroSave Focus Note, Forthcoming
Number of pages: 19 Posted: 15 Jun 2012
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 183 (153,397)

Abstract:

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

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 136 (197,323)

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
World Bank - Consultative Group to Assist the Poor (CGAP), Tufts University, Doing Business Report and affiliation not provided to SSRN
Downloads 111 (230,274)

Abstract:

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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: 22 Feb 2018
Ignacio Mas and Gayatri Murthy
Tufts University and World Bank - Consultative Group to Assist the Poor (CGAP)

Abstract:

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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