Transaction Networks: Evidence from Mobile Money in Kenya
Mobile money allows households in Kenya to spread risk more efficiently. In this paper we show that these efficiencies are achieved through deeper financial integration and expanded informal networks. Active networks are more geographically dispersed and support more reciprocal financial arrangements. Consistent with the reported reciprocity, mobile money users report a higher share of transactions as being for credit and insurance purposes.
Volume (Year): 103 (2013)
Issue (Month): 3 (May)
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- Isaac Mbiti & David N. Weil, 2011.
"Mobile Banking: The Impact of M-Pesa in Kenya,"
NBER Working Papers
17129, National Bureau of Economic Research, Inc.
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