Publications

Results 1 - 10 of 12
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Publications -
November 2015

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

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 […]

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Posts
November 2015

The unbearable lightness of digital money

This paper examines the factors that make cash ‘sticky’ in the increasingly digitised Kenyan financial landscapes. On the one hand, it discusses the mismatch between assumptions implicit in the financial inclusion discourse and ideas of saving, accumulation and money enshrined in local financial practices, and provides an overview of the current digital payment situation in […]

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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 […]

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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 […]

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Publications
March 2012

The search for inclusion in Kenya’s financial landscape: Annex 2 – Demand-side survey

This annex reports more detailed findings from the demand side survey than are contained in the main report. First, the methodology of the survey is explained before proceeding to two further sections. The second section, reports more detailed descriptive data on a service by service basis. It aims to ensure that detailed findings are available […]