What Regulatory Frameworks are More Conducive to Mobile Banking? Empirical Evidence from Findex Data

Gutierrez, Eva ; Singh, Sandeep

World Bank, Washington, DC

关键词: ACCOUNTING;    ANTI-MONEY LAUNDERING;    ATM;    BANK ACCOUNTS;    BANK BRANCHES;   

DOI  :  10.1596/1813-9450-6652
RP-ID  :  WPS6652

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 banking services offer greatpotential to expand financial services, particularly paymentservices, to the poor. They also provide a convenient andcost effective way to access bank accounts. This paperconstitutes a first attempt to explain statistically whatfactors contribute to mobile banking usage, with aparticular focus on the regulatory framework. The authorsconstruct an index that measures the existence of laws andregulation that support mobile banking activity for 35countries. Using variations in regulatory environmentsacross these countries and armed with newly released data onmobile banking usage by approximately 37,000 individuals inthese 35 countries, the paper sheds light on the importanceof laws and regulation in supporting mobile banking. Theanalysis finds that a supporting regulatory framework isassociated with higher usage of mobile banking for thegeneral population as well as for the unbanked.