Published on November 17, 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 by Tavneet Suri from MIT and William Jack from Georgetown University. 

You might also like

Why doesn’t every Kenyan business have a mobile money account?

Small “b” biashara

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

The Status of Agents in Kenya: Proliferation, Dominance, Evolution & Impact

The potential for credit scoring for SME lending in Kenya

SACCO Briefs: SACCO societies regulations 2010, frequently asked questions for management