nep-mfd New Economics Papers
on Microfinance
Issue of 2020‒05‒11
two papers chosen by
Olivier Dagnelie
Université de Caen

  1. Saving for Multiple Financial Needs: Evidence from Lockboxes and Mobile Money in Malawi By Shilpa Aggarwal; Valentina Brailovskaya; Jonathan Robinson
  2. An Empirical Analysis of Mobile Banking Adoption in Vietnam By Vuong, Bui Nhat

  1. By: Shilpa Aggarwal; Valentina Brailovskaya; Jonathan Robinson
    Abstract: We test whether the provision of multiple labeled savings accounts affects savings and downstream outcomes in an experiment with 761 microentrepreneurs in urban Malawi. Treatment respondents received one or multiple savings accounts, in the form of lockboxes or mobile money. We find that while providing additional boxes increased savings by 40%, technical issues marred the efficacy of a second mobile money account. Both types of accounts had impacts on downstream outcomes, including farming decisions and credit extended to customers. We do not detect differential downstream effects by the number of accounts.
    JEL: D14 O12 O16
    Date: 2020–04
    URL: http://d.repec.org/n?u=RePEc:nbr:nberwo:27035&r=all
  2. By: Vuong, Bui Nhat
    Abstract: Mobile phones with banking technology are becoming more readily available in Vietnam. Similarly, many financial institutions and mobile phone service providers are teaming up to provide several banking services to customers via the mobile phone. However, the number of people who choose to adopt or use such technologies is still relatively low. Therefore, there is a need to assess the acceptance of such technologies to establish factors that hinder or promote customer’s intention to use mobile banking. Survey data collected from 452 consumers was analyzed to provide evidence. Results from the partial least squares structural equation modeling (PLS-SEM) using the SmartPLS 3.0 program indicated that perceived easy to use, perceived credibility, usefulness, attitude, perceived behavioral control and subjective norm are significant with respect to the customer’s intention to use mobile banking services. The results of the data analysis contribute to the body of knowledge by demonstrating that the above factors are critical in intention to use mobile banking in a developing country context. The finding of this study can also help marketers in the banking sector offer more suitable marketing strategies in their field in order to make higher attractiveness with mobile banking
    Date: 2020–04–21
    URL: http://d.repec.org/n?u=RePEc:osf:osfxxx:94zxp&r=all

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