Mobiles for Development: M-Banking

Descripción del Articulo

Este trabajo se llevó a cabo con la ayuda de una subvención del Centro Internacional de Investigaciones para el Desarrollo, Ottawa, Canadá
Detalles Bibliográficos
Autor: Mariscal, Judith
Formato: informe técnico
Fecha de Publicación:2009
Institución:Instituto de Estudios Peruanos
Repositorio:IEP-Institucional
Lenguaje:inglés
OAI Identifier:oai:repositorio.iep.org.pe:20.500.14660/1253
Enlace del recurso:https://hdl.handle.net/20.500.14660/1253
Nivel de acceso:acceso abierto
Materia:Banca móvil
Telefonía móvil
Generación de ingresos
Pobreza
Barreras de acceso
América Latina
https://purl.org/pe-repo/ocde/ford#5.08.04
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dc.title.es_ES.fl_str_mv Mobiles for Development: M-Banking
title Mobiles for Development: M-Banking
spellingShingle Mobiles for Development: M-Banking
Mariscal, Judith
Banca móvil
Telefonía móvil
Generación de ingresos
Pobreza
Barreras de acceso
América Latina
https://purl.org/pe-repo/ocde/ford#5.08.04
title_short Mobiles for Development: M-Banking
title_full Mobiles for Development: M-Banking
title_fullStr Mobiles for Development: M-Banking
title_full_unstemmed Mobiles for Development: M-Banking
title_sort Mobiles for Development: M-Banking
author Mariscal, Judith
author_facet Mariscal, Judith
author_role author
dc.contributor.author.fl_str_mv Mariscal, Judith
dc.subject.es_ES.fl_str_mv Banca móvil
Telefonía móvil
Generación de ingresos
Pobreza
Barreras de acceso
América Latina
topic Banca móvil
Telefonía móvil
Generación de ingresos
Pobreza
Barreras de acceso
América Latina
https://purl.org/pe-repo/ocde/ford#5.08.04
dc.subject.ocde.none.fl_str_mv https://purl.org/pe-repo/ocde/ford#5.08.04
description Este trabajo se llevó a cabo con la ayuda de una subvención del Centro Internacional de Investigaciones para el Desarrollo, Ottawa, Canadá
publishDate 2009
dc.date.accessioned.none.fl_str_mv 2022-10-06T19:58:44Z
dc.date.available.none.fl_str_mv 2022-10-06T19:58:44Z
dc.date.issued.fl_str_mv 2009
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dc.identifier.uri.none.fl_str_mv https://hdl.handle.net/20.500.14660/1253
url https://hdl.handle.net/20.500.14660/1253
dc.language.iso.es_ES.fl_str_mv eng
language eng
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dc.format.es_ES.fl_str_mv application/pdf
dc.publisher.es_ES.fl_str_mv Instituto de Estudios Peruanos
dc.publisher.country.none.fl_str_mv PE
dc.source.es_ES.fl_str_mv Instituto de Estudios Peruanos
Repositorio institucional - IEP
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collection IEP-Institucional
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spelling Mariscal, Judith2022-10-06T19:58:44Z2022-10-06T19:58:44Z2009Este trabajo se llevó a cabo con la ayuda de una subvención del Centro Internacional de Investigaciones para el Desarrollo, Ottawa, CanadáThe adoption of mobile phones by the poor has been an unexpected phenomenon that is having a remarkable impact on social and economic development. The significance of mobile adoption is now beginning to be understood by scholars and policy makers; the emergence of m-banking/m-payments systems has implications for the more general set of discussions around the role of mobile telephony in the developing world. This paper offers a survey of recent literature on access gaps that focuses on pro-poor market solutions provided by mobile applications. The emerging literature on mobile uses in developing countries has focused on the benefits of voice and text messaging. However, there is little academic research on mobile applications such as m-banking. While a large number of low income people have access to mobile phones; these groups are excluded from the financial market. M-banking offers the opportunity to diminish this financial exclusion by offering access to credit and to savings which are key tools capable of transforming the livelihoods of the poor and the efficiency of the market. Accessibility is the major barrier for the expansion of mobile adoption by the poor. There is an important role for regulators to play in enabling an appropriate environment for the increase in the mobile penetration as well as business models for m-banking.application/pdfhttps://hdl.handle.net/20.500.14660/1253engInstituto de Estudios PeruanosPEinfo:eu-repo/semantics/openAccesshttp://creativecommons.org/licences/by-nc-nd/2.5/pe/Instituto de Estudios PeruanosRepositorio institucional - IEPreponame:IEP-Institucionalinstname:Instituto de Estudios Peruanosinstacron:IEPBanca móvilTelefonía móvilGeneración de ingresosPobrezaBarreras de accesoAmérica Latinahttps://purl.org/pe-repo/ocde/ford#5.08.04Mobiles for Development: M-Bankinginfo:eu-repo/semantics/reportPublicationTEXT24 Mobiles for development - M-Banking (2009).pdf.txt24 Mobiles for development - M-Banking (2009).pdf.txtExtracted texttext/plain63804https://repositorio.iep.org.pe/bitstreams/344f86f2-0d2e-4d47-b7d1-6d8e226d798a/download7a73ca2f0cac948b1be7bacc53471887MD53THUMBNAIL24 Mobiles for development - M-Banking (2009).pdf.jpg24 Mobiles for development - M-Banking (2009).pdf.jpgGenerated Thumbnailimage/jpeg6332https://repositorio.iep.org.pe/bitstreams/54c7c3c5-8375-4004-a6f3-e265ca363f6c/download94c5bba8c230aa4c8a153d7c329c25f3MD54ORIGINAL24 Mobiles for development - M-Banking (2009).pdf24 Mobiles for development - M-Banking (2009).pdfapplication/pdf158597https://repositorio.iep.org.pe/bitstreams/720a39fa-81d2-4e4a-a9c3-144cc841c439/downloadb8ac96f7b8867876126a02b73e820ae8MD51LICENSElicense.txtlicense.txttext/plain; charset=utf-81748https://repositorio.iep.org.pe/bitstreams/6c286c65-d3a6-4e7f-a276-c796d715fd1b/download8a4605be74aa9ea9d79846c1fba20a33MD5220.500.14660/1253oai:repositorio.iep.org.pe:20.500.14660/12532024-12-18 17:36:21.441http://creativecommons.org/licences/by-nc-nd/2.5/pe/info:eu-repo/semantics/openAccesshttps://repositorio.iep.org.peRepositorio Instituto de Estudios Peruanos IEPbiblio@iep.org.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Mobiles for Development: M-Banking
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