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Can the Delivery of Cash Transfers
to Mobile Banking Accounts be a
Catalyzer for Increased Financial
Inclusion in Sub-Saharan Least
Developed Countries?
Dissertation of Ludiwien Cooreman
Erasmus Mundus Master in Comparative Local
Development
Supervised by Alessandro Rossi from University of Trento
.
Source: Global Findex Databasesavings
(expressed in % of population in Sub-Saharan LDCs)
0
5
10
15
20
25
30
35
very possible somewhat
possible
not very possible not at all possible
Ability to come up with emergency funds
0.3 0.4 0.5 0.6 0.7 0.8
0204060
HDI
MobileAccount
Benin
Botswana
Burkina FasoBurundi Cameroon
Chad
Cote d'Ivoire
Ethiopia
Gabon
Ghana
Guinea
Kenya
MadagascarMalawi
Mali
Mauritania
Mauritius
Namibia
Nigeria
Rwanda
SenegalSierra Leone
South Africa
Tanzania
Uganda
Zambia
Zimbabwe
Overcoming an unfavorable
cost-benefit equation
• Underdeveloped infrastructure
• Thinly distributed population
• Sociological barriers
Digitized Cash Transfers as Win-win-win
1. Aid commercial viability of providers
through predictable volume
1. Cut transaction cost and increase
efficiency and effectiveness of program
for donor
1. leverage the reach and take-up of financial
services for the poor
Well...
KEY:
CONSISTENT
AND
RELIABLE
SERVICE
Digitized cash transfers as catalyzer for broader
financial inclusion in LDCs
• No quick wins or cheap
fixes
• Delivering reliable and
consistent service first
• Design for financial
inclusion and
ecosystem formation
Sources for infographics and images:
World Bank, GSMA, CGAP, Better than Cash Alliance, Chicago Coun
Contact:
(+32)478/27.89.13
ludiwien@gmail.com

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Can the Delivery of Cash Transfers to Mobile Banking Accounts be a Catalyzer for Increased Financial Inclusion in Sub-Saharan Least Developed Countries? - Ludiwien Cooreman

  • 1. Can the Delivery of Cash Transfers to Mobile Banking Accounts be a Catalyzer for Increased Financial Inclusion in Sub-Saharan Least Developed Countries? Dissertation of Ludiwien Cooreman Erasmus Mundus Master in Comparative Local Development Supervised by Alessandro Rossi from University of Trento
  • 2.
  • 3.
  • 4.
  • 5.
  • 6. . Source: Global Findex Databasesavings (expressed in % of population in Sub-Saharan LDCs) 0 5 10 15 20 25 30 35 very possible somewhat possible not very possible not at all possible Ability to come up with emergency funds
  • 7.
  • 8.
  • 9.
  • 10.
  • 11.
  • 12.
  • 13.
  • 14. 0.3 0.4 0.5 0.6 0.7 0.8 0204060 HDI MobileAccount Benin Botswana Burkina FasoBurundi Cameroon Chad Cote d'Ivoire Ethiopia Gabon Ghana Guinea Kenya MadagascarMalawi Mali Mauritania Mauritius Namibia Nigeria Rwanda SenegalSierra Leone South Africa Tanzania Uganda Zambia Zimbabwe
  • 15. Overcoming an unfavorable cost-benefit equation • Underdeveloped infrastructure • Thinly distributed population • Sociological barriers
  • 16. Digitized Cash Transfers as Win-win-win 1. Aid commercial viability of providers through predictable volume 1. Cut transaction cost and increase efficiency and effectiveness of program for donor 1. leverage the reach and take-up of financial services for the poor
  • 19.
  • 20.
  • 21.
  • 22. Digitized cash transfers as catalyzer for broader financial inclusion in LDCs • No quick wins or cheap fixes • Delivering reliable and consistent service first • Design for financial inclusion and ecosystem formation
  • 23. Sources for infographics and images: World Bank, GSMA, CGAP, Better than Cash Alliance, Chicago Coun Contact: (+32)478/27.89.13 ludiwien@gmail.com

Editor's Notes

  1. What is m-Pesa?
  2. https://www.youtube.com/watch?v=NtatJNqEIq4  michael joseph talk
  3. Why financial inclusion? Because financial inclusion is an essential foothold to allow people to overcome poverty traps.
  4. Let’s break this down, why are financial services at the center of helping families out of poverty, and in particular, why are financial services in LDCs crucial to overcome poverty?
  5. Why LDCs? Because LDCs are unsurprisingly the nations where the world’s largest unbanked population resides. Why Sub-Saharan Africa? Because it is where most of the world’s LDCs are concentrated and where LDCs are internally more comparable
  6. Why Mobile banking? Because mobile banking is the financial service provider that right now enjoys the biggest success in driving the world’s banked population, in particularly because of its popularity within the poor.
  7. Mobile banking is ideally placed to provide these services to the world’s poor because it meets people where they are.
  8. While mobile banking is doing all of the things shown in the previous slide in some nations, other nations however are unable to get mobile banking off the ground…
  9. Mobile account vs HDI score in SSA