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Can the Delivery of Cash Transfers to Mobile Banking Accounts be a Catalyzer for Increased Financial Inclusion in Sub-Saharan Least Developed Countries?
Dissertation of Ludiwien Cooreman Erasmus Mundus Master in Comparative Local Development Supervised by Alessandro Rossi from University of Trento
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. Source: Global Findex Databasesavings (expressed in % of population in Sub-Saharan LDCs)
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Overcoming an unfavorable cost-benefit equation
• Underdeveloped infrastructure• Thinly distributed population• Sociological barriers
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Digitized Cash Transfers as Win-win-win
1. Aid commercial viability of providers through predictable volume
2. Cut transaction cost and increase efficiency and effectiveness of program for donor
3. leverage the reach and take-up of financial services for the poor
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Well...
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KEY:CONSISTENT
AND RELIABLE SERVICE
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Digitized cash transfers as catalyzer for broader financial inclusion in LDCs • No quick wins or
cheap fixes
• Delivering reliable and consistent service first
• Design for financial inclusion and ecosystem formation
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Sources for infographics and images: World Bank, GSMA, CGAP, Better than Cash Alliance, Chicago Council
Contact: (+32)478/27.89.13 [email protected]