On the Effect of Mobile Phone on Migrant Remittances: A Closer Look at International Transfers

25 Pages Posted: 15 Nov 2009 Last revised: 15 Jun 2014

See all articles by David Bounie

David Bounie

Telecom ParisTech

Dana Diminescu

affiliation not provided to SSRN

Abel Francois

Strasbourg University, LARGE; University of Strasbourg - EM Strasbourg Business School; Telecom ParisTech

Date Written: June 12, 2012

Abstract

Recent empirical studies based on surveys bring evidence that international remittances are more the result of familial intertemporal contracts than self-insurance motivations. Exploiting transaction-level remittance data carried out by 3,294 migrants between 2004 and 2009 in France from a mobile money transfer service to recipients located in Sub-Sahara Africa, Middle East, Eastern Europe and Madagascar, we find using descriptive statistics and econometric tests that migrants send preferably more money to themselves than to family and non-family members. This result tends to support the idea that the mobile technology impacts migrant remittances and then the standard findings in the remittance literature as migrants seem to be more concerned by the accumulation of savings (self-insurance motivations) than about altruistic or household insurance motivations.

Keywords: Remittances, Mobile money transfer, transfer data

JEL Classification: F22, O16

Suggested Citation

Bounie, David and Diminescu, Dana and Francois, Abel, On the Effect of Mobile Phone on Migrant Remittances: A Closer Look at International Transfers (June 12, 2012). Available at SSRN: https://ssrn.com/abstract=1506524 or http://dx.doi.org/10.2139/ssrn.1506524

David Bounie (Contact Author)

Telecom ParisTech ( email )

46 rue Barrault
F-75634 Paris, Cedex 13
France

Dana Diminescu

affiliation not provided to SSRN ( email )

Abel Francois

Strasbourg University, LARGE ( email )

47 avenue de la foret Noire
Strasbourg, 67000
France

HOME PAGE: http://abelfrancois.wordpress.com/information/

University of Strasbourg - EM Strasbourg Business School ( email )

PEGE
61 avenue de la Forêt Noire
Strasbourg, 67000
France

HOME PAGE: http://abelfrancois.wordpress.com/information/

Telecom ParisTech

46, rue Barrault
Paris Cedex 13, F-75634
France

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