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Did Mobile Payments Make Difference in "Unbanked" Rural Communities? Empirical Evidence from the Electronic Money Transform System of the Bangladesh Post Office

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    Abstract

    This study illustrates that a technologically less sophisticated e-government application can be successful as long as it has a proper fit of task and technology. A mobile payment service EMTS of the Bangladesh Post Office reported a dramatic increase in the number of electronic money orders issued and amount of money transferred through the system. As expected, EMTS shortened the money order delivery time from several days to a day. Commission earning from money order business has increased and became BPO's major source of earning in 2011. However, EMTS has limited success in assisting the unbanked citizens in rural areas because of a smaller number of post offices that support EMTS. Authors suggest that e-government be viewed as a collection of individual online information and services applications each of which is examined depending on task-technology fit.

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    File URL: http://www.iuj.ac.jp/workingpapers/index.cfm?File=EMS_2013_13.pdf
    File Function: First version, 2013
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    Bibliographic Info

    Paper provided by Research Institute, International University of Japan in its series Working Papers with number EMS_2013_13.

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    Length: 28 pages
    Date of creation: Sep 2013
    Date of revision:
    Handle: RePEc:iuj:wpaper:ems_2013_13

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    Keywords: Bangladesh; post office; mobile payment;

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    1. Willam Jack & Tavneet Suri & Robert Townsend, 2010. "Monetary theory and electronic money : reflections on the Kenyan experience," Economic Quarterly, Federal Reserve Bank of Richmond, issue 1Q, pages 83-122.
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