Deposit Insurance and Digital Financial Inclusion

Izaguirre, Juan Carlos ; Lyman, Timothy ; McGuire, Claire ; Grace, Dave

World Bank, Washington, DC

关键词: financial inclusion;    e-business;    mobile money;    microenterprises;    deposit insurance;   

RP-ID  :  110632

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

Policy makers worldwide are increasinglyappreciating the expanding role that digital financialservices play in reaching financially excluded andunderserved customers. Though models vary widely, all haveat their heart a low-cost digital financial product such ase-money issued by a mobile network operator (MNO) orfinancial institution that permits customers to makepayments, to transfer money, and to store value in smallamounts. This value-storage functionality enables theoffering of additional services such as digital credit andoff-grid electricity on a pay as one go basis - servicesbetter tailored to the unpredictable cash flow of poorhouseholds and microenterprises.