Publications

Results 51 - 60 of 68
Publications -
February 2015

Cashlite report: Are we there yet? Rethinking the evolution of electronic payments in Kenya

This report examines data from Financial Diaries studies conducted in both Kenya and South Africa in 2012 and 2013 to better understand the extent to which low-income consumers are being affected by broad trends towards the digitization of payments: through card payments in an increasingly banked population in South Africa and via mobile money in […]

Publications
August 2014

Kenya Financial Diaries: Executive summary

How do poor Kenyans manage their money? This executive summary synthesizes the key findings of the 2012-13 Kenya Financial Diaires project that looked very closely at the ways in which low-income Kenyans earned, spent, saved, borrowed and invested over the course of a year. The data from the project paint a rich picture of the […]

Publications -
August 2014

Financial diaries respondent profiles: Extreme savings and thrift

This short note profiles the savings behavior of “Kevin” – one of the participants of the 2012-13 Kenya Financial Diaries project – and addresses the bigger question of whether and in which cases restricted savings accounts are desirable for people living on little.

Publications
April 2014

What do low-income people know about money? Indigenous financial concepts and practices and their implications for financial inclusion

In what ways do norms and expectations about the actual processes of saving and borrowing create a disjuncture between the formal sector and indigenous experiences? Bridging this divide between every day and formal financial concepts and practices is part of the key to being able to develop more appropriate products and services that will support […]

Publications
March 2014

Informal financial practices and social networks: Transaction genealogies

Mobile money transfers (MMT) have enabled informal financial sector transactions to grow and operate more efficiently, offering increased competition to the formal financial sector. Recent research has found that MMT is facilitating informal interpersonal transfers that are far more varied and complex than suggested by the ‘send money home’ domestic remittance entry-point rationale of M-Pesa […]