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M-PESA and financial inclusion in Kenya: of paying comes saving?

Abstract : Mobile financial services are said to promote inclusion. However, only 7.6 per cent of Kenyans have ever saved on an M-PESA account. This paper uses a novel, three-step probit analysis to identify the socio-demographic characteristics of, successively, respondents who do not have access to a SIM card, have access to a SIM but do not have an M-PESA account, and, finally, have an account but do not save on it. We find that those who are left behind are predominantly those who would benefit most from formal saving, namely the poor, the non-educated, and, in the final step, also women.
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https://hal.archives-ouvertes.fr/hal-01591200
Contributor : Antoine Dubus Connect in order to contact the contributor
Submitted on : Thursday, September 21, 2017 - 3:48:44 PM
Last modification on : Wednesday, October 14, 2020 - 11:28:23 AM

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Antoine Dubus, Leo van Hove. M-PESA and financial inclusion in Kenya: of paying comes saving? . 2017. ⟨hal-01591200⟩

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