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Mobile banking and financial inclusion : the regulatory lessons

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  • Klein, Michael
  • Mayer, Colin

Abstract

Mobile banking is growing at a remarkable speed around the world. In the process it is creating considerable uncertainty about the appropriate regulatory response to this newly emerging service. This paper sets out a framework for considering the design of regulation of mobile banking. Since it lies at the interface between financial services and telecoms, mobile banking also raises competition policy and interoperability issues that are discussed in the paper. Finally, by unbundling payments services into its component parts, mobile banking provides important lessons for the design of financial regulation more generally in developed as well as developing economies.

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Bibliographic Info

Paper provided by The World Bank in its series Policy Research Working Paper Series with number 5664.

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Date of creation: 01 May 2011
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Handle: RePEc:wbk:wbrwps:5664

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Keywords: Banks&Banking Reform; Access to Finance; Emerging Markets; Debt Markets; Technology Industry;

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Blog mentions

As found by EconAcademics.org, the blog aggregator for Economics research:
  1. Mobile banking and financial inclusion: The regulatory lessons
    by bbatiz in NEP-HIS blog on 2011-08-10 11:37:06
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Cited by:
  1. Dietmar Harhoff & Elisabeth Mueller & John Van Reenen, 2013. "What are the channels for technology sourcing? Panel data evidence from German companies," LSE Research Online Documents on Economics, London School of Economics and Political Science, LSE Library 51524, London School of Economics and Political Science, LSE Library.
  2. Gutierrez, Eva & Singh, Sandeep, 2013. "What regulatory frameworks are more conducive to mobile banking ? empirical evidence from findex data," Policy Research Working Paper Series 6652, The World Bank.
  3. Masino, Serena & Nino-Zarazua, Miguel, 2014. "Social service delivery and access to financial innovation: The impact of Oportunidades. electronic payment system in Mexico," Working Paper Series, World Institute for Development Economic Research (UNU-WIDER) UNU-WIDER Research Paper , World Institute for Development Economic Research (UNU-WIDER).
  4. Boeing, Philipp & Mueller, Elisabeth & Sandner, Philipp, 2012. "What makes Chinese firms productive? Learning from indigenous and foreign sources of knowledge," Frankfurt School - Working Paper Series, Frankfurt School of Finance and Management 196, Frankfurt School of Finance and Management.
  5. Böing, Philipp & Müller, Elisabeth, 2012. "Technological Capabilities of Chinese Enterprises: Who is Going to Compete Abroad?," Annual Conference 2012 (Goettingen): New Approaches and Challenges for the Labor Market of the 21st Century, Verein für Socialpolitik / German Economic Association 62081, Verein für Socialpolitik / German Economic Association.
  6. Alexander Libman & Vladimir Kozlov & André Schultz, 2012. "Roving Bandits in Action: Outside Option and Governmental Predation in Autocracies," Kyklos, Wiley Blackwell, Wiley Blackwell, vol. 65(4), pages 526-562, November.
  7. Kostka, Genia & Moslener, Ulf & Andreas, Jan G., 2011. "Barriers to energy efficiency improvement: Empirical evidence from small-and-medium sized enterprises in China," Frankfurt School - Working Paper Series, Frankfurt School of Finance and Management 178, Frankfurt School of Finance and Management.
  8. Peter TOBBIN, 2012. "The adoption of "Transformational Mobile Banking" by the Unbanked: An Exploratory Field Study," Communications & Strategies, IDATE, Com&Strat dept., IDATE, Com&Strat dept., vol. 1(86), pages 103-120, 2nd quart.
  9. Inklaar, Robert & Koetter, Michael & Noth, Felix, 2012. "Who's afraid of big bad banks? Bank competition, SME, and industry growth," Frankfurt School - Working Paper Series, Frankfurt School of Finance and Management 197, Frankfurt School of Finance and Management.
  10. Fatema Tuj Johara, 2014. "Consumer's Pattern and Behavior toward the Usage of Mobile Banking," International Journal of Academic Research in Business and Social Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Business and Social Scien, Human Resource Management Academic Research Society, International Journal of Academic Research in Business and Social Sciences, vol. 4(8), pages 166-181, August.

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