Take-up of Digital Finance in Poor and Underserved Populations, 2015

This paper focuses on populations that are suffering financial exclusion due to poverty. Key factors that often contribute to financial exclusion are distance to locations that provide financial services, and the tendency for the poor to have small transactions with low account balances such that private financial entities may not earn a commercial return from servicing this population. Digital finance can address these challenges through its mobile channels and economies of scale.

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