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Banking in Africa

  • Beck, Thorsten
  • Cull, Robert

This paper takes stock of the current state of banking systems across Sub-Saharan Africa and discusses recent developments including innovations that might help Africa leapfrog more traditional banking models. Using an array of different data, the paper documents that African banking systems are shallow but stable. African banks are well capitalized and over-liquid, but lend less to the private sector than banks in non-African developing countries. African enterprises and households are less likely to use financial services than their peers in other developing countries. The paper also describes a number of financial innovations across the continent that can help overcome different barriers to financial inclusion and have helped to expand the bankable and the banked population.

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Paper provided by The World Bank in its series Policy Research Working Paper Series with number 6684.

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Date of creation: 01 Oct 2013
Handle: RePEc:wbk:wbrwps:6684
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  1. 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.
  2. Beck, Thorsten & Cull, Robert & Jerome, Afeikhena, 2005. "Bank privatization and performance - emprical evidence from Nigeria," Policy Research Working Paper Series 3511, The World Bank.
  3. Allen, Franklin & Carletti, Elena & Cull, Robert & Qian, Jun & Senbet, Lemma W & Valenzuela, Patricio, 2014. "Improving Access to Banking: Evidence from Kenya," CEPR Discussion Papers 9840, C.E.P.R. Discussion Papers.
  4. Esther Duflo & Michael Kremer & Jonathan Robinson, 2011. "Nudging Farmers to Use Fertilizer: Theory and Experimental Evidence from Kenya," American Economic Review, American Economic Association, vol. 101(6), pages 2350-90, October.
  5. ALLEN, Franklin & CARLETTI, Elena & CULL, Robert & QIAN, Jun & SENBET, Lemma & VALENZUELA, Patricio, 2012. "Resolving the African Financial Development Gap: Cross-country comparisons and a within-country study of Kenya," Economics Working Papers ECO2012/15, European University Institute.
  6. Stijn Claessens & Luc Laeven, 2004. "What drives bank competition? Some international evidence," Proceedings, Federal Reserve Bank of Cleveland, pages 563-592.
  7. Pascaline Dupas & Jonathan Robinson, 2009. "Savings Constraints and Microenterprise Development: Evidence from a Field Experiment in Kenya," NBER Working Papers 14693, National Bureau of Economic Research, Inc.
  8. Allen, Franklin & Carletti, Elena & Cull, Robert & Jun Qian & Senbet, Lemma & Valenzuela, Patricio, 2014. "The African financial development and financial inclusion gaps," Policy Research Working Paper Series 7019, The World Bank.
  9. Cull, Robert & P. Spreng, Connor, 2008. "Pursuing Efficiency While Maintaining Outreach: Bank Privatization In Tanzania," Policy Research Working Paper Series 4804, The World Bank.
  10. Neeltje van Horen & Stijn Claessens, 2012. "Foreign Banks; Trends, Impact and Financial Stability," IMF Working Papers 12/10, International Monetary Fund.
  11. Sarah Rotman & David Ferrand & Stephen Rasmussen, 2012. "The Jipange KuSave Experiment in Kenya," World Bank Other Operational Studies 17074, The World Bank.
  12. Brune, Lasse & Gine, Xavier & Goldberg, Jessica & Yang, Dean, 2011. "Commitments to save : a field experiment in rural Malawi," Policy Research Working Paper Series 5748, The World Bank.
  13. Aterido, Reyes & Beck, Thorsten & Iacovone, Leonardo, 2013. "Access to Finance in Sub-Saharan Africa: Is There a Gender Gap?," World Development, Elsevier, vol. 47(C), pages 102-120.
  14. Brown, Martin & Guin, Benjamin & Kirschenmann, Karolin, 2013. "Microfinance Banks and Household Access to Finance," Working Papers on Finance 1302, University of St. Gallen, School of Finance.
  15. Stijn Claessens & Neeltje Horen, 2014. "Foreign Banks: Trends and Impact," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 46(s1), pages 295-326, 02.
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