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The agent in a transformational m-banking ecosystem: interface or intermediary?

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ICTD '13: Proceedings of the Sixth International Conference on Information and Communications Technologies and Development: Notes - Volume 2

Pages 33 - 36

https://doi.org/10.1145/2517899.2517918

Published: 07 December 2013 Publication History

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Abstract

The bank-led branchless banking model in India was born out of a national financial inclusion mandate that seeks to connect unbanked populations to formal financial services. This is implemented through a transformational, hybrid infrastructure that extends outreach via low-scale banking structures. These low-scale banking structures take banking services out of the brick-and-mortar bank branches and into the hands of non-bank agents (or business correspondents) that can now drive uptake in unserved regions on the branchless banking platform. This note demonstrates the results of a study that looked at Eko, one of the prominent mobile banking business correspondents in India, in its collaboration with the largest public sector bank in the country. In particular, this note will focus on the role of their retail agent network and how certain informal, frequently unstipulated, practices on their part may help in acquiring and retaining customers on the platform. In this way, the retail agent network may indeed help in sustaining the transformational mobile banking ecosystem.

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Sharma HDíaz Andrade A(2023)Digital financial services and human development: current landscape and research prospectsInformation Technology for Development10.1080/02681102.2023.219918929:4(582-606)Online publication date: 5-May-2023
https://doi.org/10.1080/02681102.2023.2199189
Barbareschi GHolloway CArnold KMagomere GWetende WNgare GOlenja JBernhaupt RMueller FVerweij DAndres JMcGrenere JCockburn AAvellino IGoguey ABjørn PZhao SSamson BKocielnik R(2020)The Social Network: How People with Visual Impairment use Mobile Phones in Kibera, KenyaProceedings of the 2020 CHI Conference on Human Factors in Computing Systems10.1145/3313831.3376658(1-15)Online publication date: 21-Apr-2020
https://dl.acm.org/doi/10.1145/3313831.3376658
Mehra ASatija SO'Neill JSaif U(2017)PrayanaProceedings of the Ninth International Conference on Information and Communication Technologies and Development10.1145/3136560.3136591(1-5)Online publication date: 16-Nov-2017
https://dl.acm.org/doi/10.1145/3136560.3136591
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The agent in a transformational m-banking ecosystem: interface or intermediary?
1. Applied computing
  1. Electronic commerce

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ICTD '13: Proceedings of the Sixth International Conference on Information and Communications Technologies and Development: Notes - Volume 2

December 2013

214 pages

ISBN:9781450319072

DOI:10.1145/2517899

General Chairs:
Gary Marsden,
Julian May,
Program Chairs:
Marshini Chetty,
Ulrike Rivett

Permission to make digital or hard copies of part or all of this work for personal or classroom use is granted without fee provided that copies are not made or distributed for profit or commercial advantage and that copies bear this notice and the full citation on the first page. Copyrights for third-party components of this work must be honored. For all other uses, contact the Owner/Author.

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Association for Computing Machinery

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Published: 07 December 2013

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Institute of Money, Technology, and Financial Inclusion at UC Irvine

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ICTD 2013

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University of the Western Cape
Microsoft
Microsoft Reasearch
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IBM

ICTD 2013: International conference on information and communication technologies and development

December 7 - 10, 2013

Cape Town, South Africa

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Sharma HDíaz Andrade A(2023)Digital financial services and human development: current landscape and research prospectsInformation Technology for Development10.1080/02681102.2023.219918929:4(582-606)Online publication date: 5-May-2023
https://doi.org/10.1080/02681102.2023.2199189
Barbareschi GHolloway CArnold KMagomere GWetende WNgare GOlenja JBernhaupt RMueller FVerweij DAndres JMcGrenere JCockburn AAvellino IGoguey ABjørn PZhao SSamson BKocielnik R(2020)The Social Network: How People with Visual Impairment use Mobile Phones in Kibera, KenyaProceedings of the 2020 CHI Conference on Human Factors in Computing Systems10.1145/3313831.3376658(1-15)Online publication date: 21-Apr-2020
https://dl.acm.org/doi/10.1145/3313831.3376658
Mehra ASatija SO'Neill JSaif U(2017)PrayanaProceedings of the Ninth International Conference on Information and Communication Technologies and Development10.1145/3136560.3136591(1-5)Online publication date: 16-Nov-2017
https://dl.acm.org/doi/10.1145/3136560.3136591
O'neill JDhareshwar AMuralidhar S(2017)Working Digital Money into a Cash EconomyComputer Supported Cooperative Work10.1007/s10606-017-9289-626:4-6(733-768)Online publication date: 1-Dec-2017
https://dl.acm.org/doi/10.1007/s10606-017-9289-6
Ghosh IKaye JDruin ALampe CMorris DHourcade J(2016)Contextualizing Intermediated Use in the Developing WorldProceedings of the 2016 CHI Conference on Human Factors in Computing Systems10.1145/2858036.2858594(355-359)Online publication date: 7-May-2016
https://dl.acm.org/doi/10.1145/2858036.2858594
Ghosh IChen JMing JAbouzied AChib AKam MBurrell J(2015)The persistence of paperProceedings of the Seventh International Conference on Information and Communication Technologies and Development10.1145/2737856.2738029(1-10)Online publication date: 15-May-2015
https://dl.acm.org/doi/10.1145/2737856.2738029

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Agent Banking and Financial Inclusion: The Case of Bangladesh

Role of mobile banking in financial inclusion: evidence from agri traders of India

Consumer Perception and Satisfaction Towards Internet Banking and Mobile Banking with Reference to Nationalized Banks in Rural India

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