{"id":"https://openalex.org/W2136195227","doi":null,"title":"Banking on Mobiles: Why, How, for Whom?","display_name":"Banking on Mobiles: Why, How, for Whom?","publication_year":2008,"publication_date":"2008-06-01","ids":{"openalex":"https://openalex.org/W2136195227","mag":"2136195227"},"language":"en","primary_location":{"id":"mag:2136195227","doi":null,"is_oa":true,"landing_page_url":"https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID1655282_code829576.pdf?abstractid=1655282&rulid=42517&mirid=4","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"SSRN Electronic Journal","raw_type":null},"volume":null,"type":"preprint","indexed_in":[],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID1655282_code829576.pdf?abstractid=1655282&rulid=42517&mirid=4","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5063562353","display_name":"Kabir Kumar","orcid":"https://orcid.org/0009-0001-2738-0192","observed_orcids":["https://orcid.org/0009-0001-2738-0192"]},"institutions":[{"id":"https://openalex.org/I121934306","display_name":"Tufts University","ror":"https://ror.org/05wvpxv85","country_code":"US","type":"education","lineage":["https://openalex.org/I121934306"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Kabir Kumar","raw_affiliation_strings":["Tufts University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Tufts University","institution_ids":["https://openalex.org/I121934306"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5091340493","display_name":"Ignacio Mas","orcid":"https://orcid.org/0000-0001-5037-2572","observed_orcids":["https://orcid.org/0000-0001-5037-2572"]},"institutions":[{"id":"https://openalex.org/I121934306","display_name":"Tufts University","ror":"https://ror.org/05wvpxv85","country_code":"US","type":"education","lineage":["https://openalex.org/I121934306"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Ignacio Mas","raw_affiliation_strings":["Tufts University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Tufts University","institution_ids":["https://openalex.org/I121934306"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I121934306"],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":72,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":"1","last_page":"28"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9307000041007996,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9307000041007996,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.03620000183582306,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13194","display_name":"ICT in Developing Communities","score":0.00989999994635582,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/mobile-banking","display_name":"mobile banking","score":0.9990000128746033},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.7770000100135803},{"id":"https://openalex.org/keywords/microfinance-institutions","display_name":"microfinance institutions","score":0.8460000157356262},{"id":"https://openalex.org/keywords/small-banks","display_name":"small banks","score":0.906000018119812},{"id":"https://openalex.org/keywords/mobile-devices","display_name":"mobile devices","score":0.6010000109672546},{"id":"https://openalex.org/keywords/bill-payment","display_name":"bill payment","score":0.6909999847412109},{"id":"https://openalex.org/keywords/back-office-systems","display_name":"back-office systems","score":0.6309999823570251},{"id":"https://openalex.org/keywords/internal-control","display_name":"internal control","score":0.6570000052452087},{"id":"https://openalex.org/keywords/it-systems","display_name":"information technology systems","score":0.4519999921321869},{"id":"https://openalex.org/keywords/low-income-clients","display_name":"low-income clients","score":0.6129999756813049}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.715117871761322},{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.6826643943786621},{"id":"https://openalex.org/C28129649","wikidata":"https://www.wikidata.org/wiki/Q926217","display_name":"Microfinance","level":2,"score":0.6623439788818359},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.6228617429733276},{"id":"https://openalex.org/C37703655","wikidata":"https://www.wikidata.org/wiki/Q4048808","display_name":"SMS banking","level":3,"score":0.593719482421875},{"id":"https://openalex.org/C2777421447","wikidata":"https://www.wikidata.org/wiki/Q17517","display_name":"Mobile phone","level":2,"score":0.5727208852767944},{"id":"https://openalex.org/C2781400479","wikidata":"https://www.wikidata.org/wiki/Q11640","display_name":"Outreach","level":2,"score":0.5507553219795227},{"id":"https://openalex.org/C98899853","wikidata":"https://www.wikidata.org/wiki/Q7696491","display_name":"Telephone banking","level":3,"score":0.522637128829956},{"id":"https://openalex.org/C185822510","wikidata":"https://www.wikidata.org/wiki/Q1956140","display_name":"Payment service provider","level":3,"score":0.5171922445297241},{"id":"https://openalex.org/C2779601481","wikidata":"https://www.wikidata.org/wiki/Q650241","display_name":"Financial institution","level":2,"score":0.506095826625824},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.481850266456604},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.4662075936794281},{"id":"https://openalex.org/C2778430866","wikidata":"https://www.wikidata.org/wiki/Q3061848","display_name":"Unbanked","level":4,"score":0.4519750773906708},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.44831445813179016},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.4042065441608429},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.35524675250053406},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.3088512420654297},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.28954097628593445},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.18706724047660828},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.13417792320251465},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.12001597881317139},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.10603681206703186},{"id":"https://openalex.org/C199360897","wikidata":"https://www.wikidata.org/wiki/Q9143","display_name":"Programming language","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"mag:2136195227","doi":null,"is_oa":true,"landing_page_url":"https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID1655282_code829576.pdf?abstractid=1655282&rulid=42517&mirid=4","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"SSRN Electronic Journal","raw_type":null}],"best_oa_location":{"id":"mag:2136195227","doi":null,"is_oa":true,"landing_page_url":"https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID1655282_code829576.pdf?abstractid=1655282&rulid=42517&mirid=4","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"SSRN Electronic Journal","raw_type":null},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/1","display_name":"No poverty","score":0.41670000553131104},{"id":"https://metadata.un.org/sdg/10","display_name":"Reduced inequalities","score":0.4074000120162964}],"sustainable_development_goals_aurora":[{"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth","score":0.6100000143051147}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":4,"referenced_works":["https://openalex.org/W184360280","https://openalex.org/W1575341991","https://openalex.org/W1926028702","https://openalex.org/W2097525846"],"related_works":["https://openalex.org/W213200479","https://openalex.org/W1559862794","https://openalex.org/W2226782506","https://openalex.org/W213552586","https://openalex.org/W606813092","https://openalex.org/W1901503246","https://openalex.org/W2566434419","https://openalex.org/W250399138","https://openalex.org/W2002221700","https://openalex.org/W1909925248"],"abstract_inverted_index":{"This":[0,58,118],"paper":[1,59],"examines":[2],"how":[3],"banks":[4,41,63,122],"can":[5],"translate":[6],"the":[7,28,79,86],"potential":[8],"of":[9,52,74,78,93,97,114],"mobile":[10,20,29,32,48,144],"phones":[11,49],"into":[12],"greater":[13],"financial":[14,158],"access":[15],"for":[16,31,105],"poor":[17],"people.":[18],"Although":[19],"phone":[21,30],"operators":[22],"have":[23,42,125],"been":[24],"able":[25],"to":[26,156],"use":[27],"remittance":[33],"and":[34,85,90,123,129,133],"bill":[35],"payment":[36],"services":[37],"in":[38,46],"several":[39],"countries,":[40],"had":[43],"little":[44],"success":[45],"using":[47],"as":[50],"part":[51],"a":[53,70,153,157],"growth":[54],"or":[55,64,140],"outreach":[56],"strategy.":[57],"focuses":[60],"on":[61],"smaller":[62,80],"microfinance":[65],"institutions":[66],"(MFIs)":[67],"that":[68],"face":[69],"much":[71],"higher":[72],"cost":[73],"service":[75],"delivery":[76],"because":[77,113,149],"transaction":[81,130],"values":[82],"they":[83],"handle":[84],"likely":[87],"more":[88],"remote":[89],"dispersed":[91],"location":[92],"at":[94],"least":[95],"some":[96],"their":[98,115],"customers.":[99],"The":[100],"opportunity":[101],"seems":[102],"particularly":[103],"great":[104],"them,":[106],"but":[107],"implementation":[108],"challenges":[109],"also":[110],"loom":[111],"larger":[112],"small":[116],"scale.":[117],"discussion":[119],"assumes":[120],"these":[121],"MFIs":[124],"adequate":[126],"back":[127],"office":[128],"switching":[131],"capability":[132],"sufficient":[134],"internal":[135],"controls,":[136],"whether":[137],"managed":[138],"in-house":[139],"outsourced.":[141],"Without":[142],"that,":[143],"banking":[145],"is":[146,151],"not":[147],"possible":[148],"it":[150],"fundamentally":[152],"front":[154],"end":[155],"institution's":[159],"information":[160],"technology":[161],"system.":[162]},"counts_by_year":[{"year":2024,"cited_by_count":3},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":1},{"year":2020,"cited_by_count":3},{"year":2018,"cited_by_count":4},{"year":2017,"cited_by_count":2},{"year":2016,"cited_by_count":3},{"year":2015,"cited_by_count":3},{"year":2014,"cited_by_count":15},{"year":2013,"cited_by_count":8},{"year":2012,"cited_by_count":9}],"updated_date":"2026-10-12T09:40:04.860316","created_date":"2016-06-24T00:00:00"}