{"id":"https://openalex.org/W3124633322","doi":"https://doi.org/10.3386/w23252","title":"How Debit Cards Enable the Poor to Save More","display_name":"How Debit Cards Enable the Poor to Save More","publication_year":2017,"publication_date":"2017-03-01","ids":{"openalex":"https://openalex.org/W3124633322","doi":"https://doi.org/10.3386/w23252","mag":"3124633322"},"language":"en","primary_location":{"id":"doi:10.3386/w23252","doi":"https://doi.org/10.3386/w23252","is_oa":true,"landing_page_url":"https://doi.org/10.3386/w23252","pdf_url":"https://doi.org/10.3386/w23252","source":{"id":"https://openalex.org/S2809516038","display_name":"National Bureau of Economic Research","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":["https://openalex.org/P4322614461"],"host_organization_lineage_names":["National Bureau of Economic Research"],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"National Bureau of Economic Research","raw_type":"report"},"volume":null,"type":"report","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.3386/w23252","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5083869852","display_name":"Pierre Jean Bachas","orcid":"https://orcid.org/0000-0001-6490-6619","observed_orcids":["https://orcid.org/0000-0001-6490-6619"]},"institutions":[{"id":"https://openalex.org/I1321305853","display_name":"National Bureau of Economic Research","ror":"https://ror.org/04grmx538","country_code":"US","type":"nonprofit","lineage":["https://openalex.org/I1321305853"]},{"id":"https://openalex.org/I187481652","display_name":"Instituto Tecnol\u00f3gico Aut\u00f3nomo de M\u00e9xico","ror":"https://ror.org/029md1766","country_code":"MX","type":"education","lineage":["https://openalex.org/I187481652"]},{"id":"https://openalex.org/I95457486","display_name":"University of California, Berkeley","ror":"https://ror.org/01an7q238","country_code":"US","type":"education","lineage":["https://openalex.org/I95457486"]}],"countries":["MX","US"],"is_corresponding":false,"raw_author_name":"Pierre Bachas","raw_affiliation_strings":["Princeton Economics Department Office 214 Princeton , NJ 08542 no","Centro de Investigaci\u00f3n Econ\u00f3mica ITAM Ave. Santa Teresa # 930 Mexico","Haas School of Business University of California, Berkeley Berkeley, CA 94720 and","NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138","Princeton Economics Department Office 214 Princeton, NJ 08542","School of Business University of California, Berkeley Berkeley, CA 94720"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Princeton Economics Department Office 214 Princeton , NJ 08542 no","institution_ids":[]},{"raw_affiliation_string":"Centro de Investigaci\u00f3n Econ\u00f3mica ITAM Ave. Santa Teresa # 930 Mexico","institution_ids":["https://openalex.org/I187481652"]},{"raw_affiliation_string":"Haas School of Business University of California, Berkeley Berkeley, CA 94720 and","institution_ids":["https://openalex.org/I95457486"]},{"raw_affiliation_string":"NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138","institution_ids":["https://openalex.org/I1321305853"]},{"raw_affiliation_string":"Princeton Economics Department Office 214 Princeton, NJ 08542","institution_ids":[]},{"raw_affiliation_string":"School of Business University of California, Berkeley Berkeley, CA 94720","institution_ids":["https://openalex.org/I95457486"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5016757546","display_name":"Paul Gertler","orcid":"https://orcid.org/0000-0003-0280-7513","observed_orcids":["https://orcid.org/0000-0003-0280-7513"]},"institutions":[{"id":"https://openalex.org/I1321305853","display_name":"National Bureau of Economic Research","ror":"https://ror.org/04grmx538","country_code":"US","type":"nonprofit","lineage":["https://openalex.org/I1321305853"]},{"id":"https://openalex.org/I187481652","display_name":"Instituto Tecnol\u00f3gico Aut\u00f3nomo de M\u00e9xico","ror":"https://ror.org/029md1766","country_code":"MX","type":"education","lineage":["https://openalex.org/I187481652"]},{"id":"https://openalex.org/I95457486","display_name":"University of California, Berkeley","ror":"https://ror.org/01an7q238","country_code":"US","type":"education","lineage":["https://openalex.org/I95457486"]}],"countries":["MX","US"],"is_corresponding":false,"raw_author_name":"Paul Gertler","raw_affiliation_strings":["1050 Massachusetts Avenue Cambridge , MA 02138","Centro de Investigaci\u00f3n Econ\u00f3mica ITAM Ave. Santa Teresa # 930 Mexico","Haas School of Business University of California, Berkeley Berkeley, CA 94720 and","NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138","Princeton Economics Department Office 214 Princeton, NJ 08542","School of Business University of California, Berkeley Berkeley, CA 94720"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"1050 Massachusetts Avenue Cambridge , MA 02138","institution_ids":[]},{"raw_affiliation_string":"Centro de Investigaci\u00f3n Econ\u00f3mica ITAM Ave. Santa Teresa # 930 Mexico","institution_ids":["https://openalex.org/I187481652"]},{"raw_affiliation_string":"Haas School of Business University of California, Berkeley Berkeley, CA 94720 and","institution_ids":["https://openalex.org/I95457486"]},{"raw_affiliation_string":"NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138","institution_ids":["https://openalex.org/I1321305853"]},{"raw_affiliation_string":"Princeton Economics Department Office 214 Princeton, NJ 08542","institution_ids":[]},{"raw_affiliation_string":"School of Business University of California, Berkeley Berkeley, CA 94720","institution_ids":["https://openalex.org/I95457486"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5037610623","display_name":"Sean Higgins","orcid":"https://orcid.org/0009-0006-4066-9878","observed_orcids":["https://orcid.org/0009-0006-4066-9878"]},"institutions":[{"id":"https://openalex.org/I1321305853","display_name":"National Bureau of Economic Research","ror":"https://ror.org/04grmx538","country_code":"US","type":"nonprofit","lineage":["https://openalex.org/I1321305853"]},{"id":"https://openalex.org/I187481652","display_name":"Instituto Tecnol\u00f3gico Aut\u00f3nomo de M\u00e9xico","ror":"https://ror.org/029md1766","country_code":"MX","type":"education","lineage":["https://openalex.org/I187481652"]},{"id":"https://openalex.org/I95457486","display_name":"University of California, Berkeley","ror":"https://ror.org/01an7q238","country_code":"US","type":"education","lineage":["https://openalex.org/I95457486"]}],"countries":["MX","US"],"is_corresponding":false,"raw_author_name":"Sean Higgins","raw_affiliation_strings":["1050 Massachusetts Avenue Cambridge , MA 02138","Centro de Investigaci\u00f3n Econ\u00f3mica ITAM Ave. Santa Teresa # 930 Mexico","Haas School of Business University of California, Berkeley Berkeley, CA 94720 and","NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138","Princeton Economics Department Office 214 Princeton, NJ 08542","School of Business University of California, Berkeley Berkeley, CA 94720"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"1050 Massachusetts Avenue Cambridge , MA 02138","institution_ids":[]},{"raw_affiliation_string":"Centro de Investigaci\u00f3n Econ\u00f3mica ITAM Ave. Santa Teresa # 930 Mexico","institution_ids":["https://openalex.org/I187481652"]},{"raw_affiliation_string":"Haas School of Business University of California, Berkeley Berkeley, CA 94720 and","institution_ids":["https://openalex.org/I95457486"]},{"raw_affiliation_string":"NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138","institution_ids":["https://openalex.org/I1321305853"]},{"raw_affiliation_string":"Princeton Economics Department Office 214 Princeton, NJ 08542","institution_ids":[]},{"raw_affiliation_string":"School of Business University of California, Berkeley Berkeley, CA 94720","institution_ids":["https://openalex.org/I95457486"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5032010255","display_name":"Enrique Seira","orcid":"https://orcid.org/0000-0001-8464-5815","observed_orcids":["https://orcid.org/0000-0001-8464-5815"]},"institutions":[{"id":"https://openalex.org/I1321305853","display_name":"National Bureau of Economic Research","ror":"https://ror.org/04grmx538","country_code":"US","type":"nonprofit","lineage":["https://openalex.org/I1321305853"]},{"id":"https://openalex.org/I187481652","display_name":"Instituto Tecnol\u00f3gico Aut\u00f3nomo de M\u00e9xico","ror":"https://ror.org/029md1766","country_code":"MX","type":"education","lineage":["https://openalex.org/I187481652"]},{"id":"https://openalex.org/I95457486","display_name":"University of California, Berkeley","ror":"https://ror.org/01an7q238","country_code":"US","type":"education","lineage":["https://openalex.org/I95457486"]}],"countries":["MX","US"],"is_corresponding":false,"raw_author_name":"Enrique Seira","raw_affiliation_strings":["Centro de Investigaci\u00f3n Econ\u00f3mica ITAM Ave. Santa Teresa # 930 Mexico","Haas School of Business University of California, Berkeley Berkeley, CA 94720 and","NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138","Princeton Economics Department Office 214 Princeton, NJ 08542","School of Business University of California, Berkeley Berkeley, CA 94720"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Centro de Investigaci\u00f3n Econ\u00f3mica ITAM Ave. Santa Teresa # 930 Mexico","institution_ids":["https://openalex.org/I187481652"]},{"raw_affiliation_string":"Haas School of Business University of California, Berkeley Berkeley, CA 94720 and","institution_ids":["https://openalex.org/I95457486"]},{"raw_affiliation_string":"NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138","institution_ids":["https://openalex.org/I1321305853"]},{"raw_affiliation_string":"Princeton Economics Department Office 214 Princeton, NJ 08542","institution_ids":[]},{"raw_affiliation_string":"School of Business University of California, Berkeley Berkeley, CA 94720","institution_ids":["https://openalex.org/I95457486"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":true,"cited_by_count":38,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.8407999873161316,"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":0.8407999873161316,"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/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.1289999932050705,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11556","display_name":"Poverty, Education, and Child Welfare","score":0.012799999676644802,"subfield":{"id":"https://openalex.org/subfields/3311","display_name":"Safety Research"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/debit-cards","display_name":"debit cards","score":0.9980000257492065},{"id":"https://openalex.org/keywords/cash-transfers","display_name":"cash transfers","score":0.8259999752044678},{"id":"https://openalex.org/keywords/household-savings","display_name":"household savings","score":0.6330000162124634},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.5490000247955322},{"id":"https://openalex.org/keywords/transaction-costs","display_name":"transaction costs","score":0.6930000185966492},{"id":"https://openalex.org/keywords/monitoring-costs","display_name":"monitoring costs","score":0.7979999780654907},{"id":"https://openalex.org/keywords/trust-in-banks","display_name":"trust in banks","score":0.6600000262260437},{"id":"https://openalex.org/keywords/consumption-smoothing","display_name":"consumption smoothing","score":0.48899999260902405},{"id":"https://openalex.org/keywords/cashless-payments","display_name":"cashless payments","score":0.4749999940395355}],"concepts":[{"id":"https://openalex.org/C2777303138","wikidata":"https://www.wikidata.org/wiki/Q13499","display_name":"Debit card","level":4,"score":0.523618757724762},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.45644882321357727},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.4209712743759155},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.2215721607208252},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.22005748748779297},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.1214720606803894}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.3386/w23252","doi":"https://doi.org/10.3386/w23252","is_oa":true,"landing_page_url":"https://doi.org/10.3386/w23252","pdf_url":"https://doi.org/10.3386/w23252","source":{"id":"https://openalex.org/S2809516038","display_name":"National Bureau of Economic Research","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":["https://openalex.org/P4322614461"],"host_organization_lineage_names":["National Bureau of Economic Research"],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"National Bureau of Economic Research","raw_type":"report"}],"best_oa_location":{"id":"doi:10.3386/w23252","doi":"https://doi.org/10.3386/w23252","is_oa":true,"landing_page_url":"https://doi.org/10.3386/w23252","pdf_url":"https://doi.org/10.3386/w23252","source":{"id":"https://openalex.org/S2809516038","display_name":"National Bureau of Economic Research","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":["https://openalex.org/P4322614461"],"host_organization_lineage_names":["National Bureau of Economic Research"],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"National Bureau of Economic Research","raw_type":"report"},"sustainable_development_goals":[{"display_name":"No poverty","id":"https://metadata.un.org/sdg/1","score":0.666700005531311}],"sustainable_development_goals_aurora":[{"display_name":"No poverty","id":"https://metadata.un.org/sdg/1","score":0.7599999904632568}],"study_designs":[],"awards":[{"id":"https://openalex.org/G4177592207","display_name":"Doctoral Dissertation Research in Economics: Debit Cards, Cash Transfers, and Savings: Evidence from Mexico","funder_award_id":"1530800","funder_id":"https://openalex.org/F4320306076","funder_display_name":"National Science Foundation"}],"funders":[{"id":"https://openalex.org/F4320306076","display_name":"National Science Foundation","ror":"https://ror.org/021nxhr62"}],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3124633322.pdf","grobid_xml":"https://content.openalex.org/works/W3124633322.grobid-xml"},"referenced_works_count":61,"referenced_works":["https://openalex.org/W27866088","https://openalex.org/W1511709955","https://openalex.org/W1543347785","https://openalex.org/W1547003862","https://openalex.org/W1552889305","https://openalex.org/W1576857787","https://openalex.org/W2013534161","https://openalex.org/W2022546912","https://openalex.org/W2032874557","https://openalex.org/W2050077818","https://openalex.org/W2092822103","https://openalex.org/W2096599443","https://openalex.org/W2100623800","https://openalex.org/W2105084362","https://openalex.org/W2108441500","https://openalex.org/W2109022455","https://openalex.org/W2123908125","https://openalex.org/W2128832514","https://openalex.org/W2134246329","https://openalex.org/W2139599662","https://openalex.org/W2142503664","https://openalex.org/W2145691096","https://openalex.org/W2151137212","https://openalex.org/W2156809834","https://openalex.org/W2160240634","https://openalex.org/W2188008134","https://openalex.org/W2248909494","https://openalex.org/W2313819453","https://openalex.org/W2420482130","https://openalex.org/W2477177347","https://openalex.org/W2514194390","https://openalex.org/W2519716590","https://openalex.org/W2521870685","https://openalex.org/W2559928430","https://openalex.org/W2592741351","https://openalex.org/W2609262934","https://openalex.org/W2799331516","https://openalex.org/W2803744577","https://openalex.org/W2804169007","https://openalex.org/W2892033423","https://openalex.org/W2900175526","https://openalex.org/W2933378999","https://openalex.org/W2989152393","https://openalex.org/W3121378007","https://openalex.org/W3121844505","https://openalex.org/W3122203447","https://openalex.org/W3123344732","https://openalex.org/W3124489318","https://openalex.org/W3124880542","https://openalex.org/W3125271566","https://openalex.org/W3125408371","https://openalex.org/W3125543806","https://openalex.org/W3125594344","https://openalex.org/W4301771399","https://openalex.org/W4301873181","https://openalex.org/W4322390148","https://openalex.org/W4323345597","https://openalex.org/W6649280899","https://openalex.org/W6674862749","https://openalex.org/W6677798929","https://openalex.org/W6687098149"],"related_works":["https://openalex.org/W2606713246","https://openalex.org/W4386073063","https://openalex.org/W3082887350","https://openalex.org/W1995730879","https://openalex.org/W7010280551","https://openalex.org/W4398644958","https://openalex.org/W1495234990","https://openalex.org/W3008089811","https://openalex.org/W3121152582","https://openalex.org/W2034274903"],"abstract_inverted_index":{"We":[0],"study":[1],"an":[2,54],"at-scale":[3],"natural":[4],"experiment":[5],"in":[6,50,56,63,94],"which":[7],"debit":[8,70],"cards":[9,71],"are":[10,66],"given":[11],"to":[12,37,85],"cash":[13],"transfer":[14],"recipients":[15],"who":[16],"already":[17],"have":[18],"a":[19,33,61],"bank":[20],"account.Using":[21],"administrative":[22],"account":[23,88],"data":[24],"and":[25,91],"household":[26],"surveys,":[27],"we":[28],"find":[29],"that":[30],"beneficiaries":[31,84],"accumulate":[32],"savings":[34,52],"stock":[35],"equal":[36],"2":[38],"percent":[39],"of":[40,75],"annual":[41],"income":[42],"after":[43],"two":[44,67],"years":[45],"with":[46],"the":[47,95],"card.The":[48],"increase":[49,55],"formal":[51],"represents":[53],"overall":[57],"savings,":[58],"financed":[59],"by":[60],"reduction":[62],"current":[64],"consumption.There":[65],"mechanisms:":[68],"first,":[69],"reduce":[72,80],"transaction":[73],"costs":[74],"accessing":[76],"money;":[77],"second,":[78],"they":[79],"monitoring":[81],"costs,":[82],"leading":[83],"check":[86],"their":[87],"balances":[89],"frequently":[90],"build":[92],"trust":[93],"bank.":[96]},"counts_by_year":[{"year":2024,"cited_by_count":2},{"year":2023,"cited_by_count":3},{"year":2022,"cited_by_count":6},{"year":2021,"cited_by_count":4},{"year":2020,"cited_by_count":12},{"year":2019,"cited_by_count":8},{"year":2018,"cited_by_count":3}],"updated_date":"2026-10-30T12:39:25.321706","created_date":"2021-02-01T00:00:00"}