Publications
Published on November 17, 2015

The M-PESA effect: Are financial transaction costs a barrier to more effective insurance for families in Kenya?

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Summary

This research brief summarizes findings from 3 published papers looking at how M-PESA has affected the lives of Kenyans. It explores how reductions in transaction costs through M-PESA has enabled Kenyans to be more resilient in coping with the consequences of unexpected income shocks.  These findings are based on the  2008-2014 M-PESA household panel survey conducted by Tavneet Suri from MIT and William Jack from Georgetown University. 

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