Banking the World: Empirical Foundations of Financial Inclusion
AbstractAbout 2.5 billion adults, just over half the world’s adult population, lack bank accounts. If we are to realize the goal of extending banking and other financial services to this vast “unbanked” population, we need to consider not only such product innovations as microfinance and mobile banking but also issues of data accuracy, impact assessment, risk mitigation, technology adaptation, financial literacy, and local context. In Banking the World, experts take up these topics, reporting on new research that will guide both policy makers and scholars in a broader push to extend financial markets. The contributors consider such topics as the complexity of surveying people about their use of financial services; evidence of the impact of financial services on income; the occasional negative effects of financial services on poor households, including disincentives to work and overindebtedness; and tools for improving access such as nontraditional credit scores, financial incentives for banking, and identification technologies that can dramatically reduce loan default rates.
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Bibliographic InfoThis book is provided by The MIT Press in its series MIT Press Books with number 0262018425 and published in 2013.
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trade; development; business economics; finance;
Find related papers by JEL classification:
- M2 - Business Administration and Business Economics; Marketing; Accounting - - Business Economics
- G0 - Financial Economics - - General
- O1 - Economic Development, Technological Change, and Growth - - Economic Development
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