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The Economics of Branchless Banking

Innovations, Vol. 4, No. 2, 2009

22 Pages Posted: 15 Feb 2010 Last revised: 29 Nov 2010

Ignacio Mas

Tufts University

Date Written: April 1, 2009


Provides a formal analysis of the economic drivers for branchless banking solutions. It exposes the design trade-offs that occur at the each of the key layers of service: the retail network (transaction acquisition), payments network (transaction aggregation and routing) and account/service platforms. It also reviews the volume drivers of various existing deployments.

Keywords: Mobile Banking, e-Payments, Branchless Banking, Microfinance

Suggested Citation

Mas, Ignacio, The Economics of Branchless Banking (April 1, 2009). Innovations, Vol. 4, No. 2, 2009. Available at SSRN:

Ignacio Mas (Contact Author)

Tufts University ( email )

Medford, MA 02155
United States

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