Publications
Published on March 31, 2017

The True Size of Agent Networks in Leading Digital Finance Countries

Download  
Agent
Summary

This paper lays out a framework for measuring access to digital financial services (DFS) provided via cash-in/cash-out agent networks in an ecosystem. We clarify the distinction between an agent till  a provider-issued registered “line”, either a special SIM card or a POS machine, used to perform transactions for clients and an agent outlet – a physical location that carries one or more agent tills and may also have other businesses or support functions. We also highlight the importance of factoring in network activity rates, since dormant outlets are not performing services. In sum, we argue that the number of active agent outlets, ideally geo-located, is more appropriate for measuring access to finance in a country than the number of agent tills, which is generally used by the regulators and the industry. 

You might also like
Issue_25

Quarterly newsletter – issue 25

FinAccess-2009-Image-1024x768

FinAccess National Survey 2009: Dynamics of Kenya’s changing financial landscape

Credit Information

Towards positive selection in the Kenyan credit market

_MG_5784

What makes a successful mobile money implementation? M-PESA in Kenya and Tanzania

agency banking

The search for inclusion in Kenya’s financial landscape: Annex 1 – Supply-side survey

Screen Shot 2015-10-23 at 4.16.48 PM

Quarterly newsletter – Issue 33