Mobile Phones for Microfinance

Ivatury, Gautam ; Pickens, Mark

World Bank, Washington, DC

关键词: ACCOUNT BALANCE;    ATMS;    BANK ACCOUNT;    BANK ACCOUNTS;    BANK BRANCHES;   

RP-ID  :  44587

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

Mobile phones can be used for financialservices in three different ways: for micro payments(m-commerce), as electronic money (e-money), and as abanking channel. The report examines who offers mobile phonebanking services to poor customers? Why is there so muchexcitement about banking the poor with mobile phones? Whatare some reasons to be cautious? This reports that theConsultative Group to Assist the Poorest (CGAP), inpartnership with the Vodafone Group Foundation and theUnited Nations (UN) Foundation, is now doing research in thePhilippines and South Africa to find out what makes poorpeople use or reject these services and how remote mobilephone banking can go. This research can help banks,microfinance institutions, mobile phone companies,regulators, and donors steer mobile banking toward reachinglarge numbers of the poor.