Catalyzing financial inclusion: Using incentives to promote mobile money use in Ethiopia

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dc.creatorde Brauw, Alan
dc.creatorGilligan, Daniel O.
dc.creatorHerskowitz, Sylvan
dc.creatorRoy, Shalini
dc.date2024-11-26
dc.date2024-11-26T17:00:31Z
dc.date2024-11-26T17:00:31Z
dc.date.accessioned2026-06-27T14:58:12Z
dc.descriptionMobile money can be a vehicle for improving financial access, particularly among disadvantaged populations. For mobile money systems to play this role, though, members of disadvantaged groups must both enroll in and begin to use mobile money systems. In this paper, we describe a randomized trial conducted in collaboration with a bank in Somali region, Ethiopia, that attempted to stimulate use among recent mobile money enrollees in areas near refugee camps. We provide one group with a small transfer to their mobile money account and another group is told they will receive a small transfer if they first make three transactions of any type within a promotional period. The unconditional transfer induces a 9.3 percentage point increase in customers making at least one transaction, while the conditional transfer has no significant effect. The effect is larger among men, but there is evidence that it also induces use among women.
dc.formatapplication/pdf
dc.identifierhttps://hdl.handle.net/10568/162765
dc.identifier.urihttp://hdl.handle.net/123456789/90775
dc.languageen
dc.publisherInternational Food Policy Research Institute
dc.rightsOpen Access
dc.sourcede Brauw, Alan; Gilligan, Daniel O.; Herskowitz, Sylvan; and Roy, Shalini. 2024. Catalyzing financial inclusion: Using incentives to promote mobile money use in Ethiopia. IFPRI Discussion Paper 2295. Washington, DC: International Food Policy Research Institute. https://hdl.handle.net/10568/162765
dc.subjectaccess to finance
dc.subjectrefugees
dc.subjectgender
dc.subjectdigital technology
dc.subjectcurrencies
dc.subjectfinance
dc.subjectmobile phones
dc.titleCatalyzing financial inclusion: Using incentives to promote mobile money use in Ethiopia
dc.typeWorking Paper

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Instituto Internacional de Investigación sobre Políticas Alimentarias (IFPRI)