Publications
Published on March 31, 2017

The True Size of Agent Networks in Leading Digital Finance Countries

Download  
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

Conducting a SME credit risk process review

Financial diaries respondent profiles issue 3: By her bootstraps: From house-help at 9 to homeowner at 29

Stakeholder awareness of the CIS mechanism in Kenya

Quarterly newsletter – issue 16

Enhancing the growth of plastic cards in Kenya

SME strategic diagnostic framework