LATEST PUBLICATIONS
PN 2019-09
Strengthening Institutional Links for Irrigation Water Governance
PN 2019-08
Evaluation of National Irrigation Systems in the Philippines
PIDS Book 2019-01
Harnessing the Fourth Industrial Revolution: Creating Our Future Today (Proceedings of the Fourth Annual Public Policy Conference 2018)
RPS 2019-03
Forest Protection in the Philippines: Policy Evolution and Sector Outcomes
Publication Detail
CGAP 2009-01: The Role of Mobile Operators in Expanding Access to Finance

Mobile phones may have a huge role to play in expanding access to finance. But does the company that operates the mobile network need to actually provide financial services? Or should others offer financial services, with the mobile operator merely providing the underlying wireless connectivity? The fact that mobile phones can be used as transactional devices doesn’t necessarily mean that the mobile operator needs to “own” the financial service. Banks tend to view mobile banking as a way to enhance service to existing customers, while mobile operators are more focused on addressing the mass market and the unbanked (Ivatury and Mas 2008). In the Philippines and Kenya, allowing mobile operators to design, market, and sell their own transactional savings products has opened a path for extending basic financial services to the mass market in a way that traditional banks have not done.

PinoyME Foundation
Authors Keywords
Mas, Ignacio; Rosenberg, Jim; microfinance; mobile phones; mobile banking;
Download PDF Number of Downloads
Published in 2009 and available in the CGAP or can be downloaded as full text Downloaded 601 times since November 25, 2011