Academic literature on the topic 'Branchless Banking'
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Journal articles on the topic "Branchless Banking"
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Ramdhany, Priadhi Harry. "HUBUNGAN HUKUM ANTARA BANK DENGAN AGEN LAKU PANDAI (BRANCHLESS BANKING) DALAM PELAKSANAAN PERANTARA KEUANGAN (FINANCIAL INTERMEDIARY) DIHUBUNGKAN DENGAN PRINSIP KEPERCAYAAN (FIDUCIARY PRINCIPLE)." Aktualita (Jurnal Hukum) 2, no. 2 (December 23, 2019): 455–72. http://dx.doi.org/10.29313/aktualita.v2i2.4841.
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Bank as a financial services institution monetary and funds for people who have trusted to save their money and other’s loan for some capital to operate their business. Otherwise there are many people in Indonesia do not having deposite or knowing financial services such; Loan for capital business. For example in Indonesia financial services only reach 52% from population. There are many factors include low income, there are no social guarantee otherwise the Bank distance is to far. Branchless Banking is a disruptive innovation from financial services for outreach people commonly village to increased potential Bank for people to save their money, loan for capital business without worried about Bank distance. With Principle Agency Of Branchless Banking there are many Agent in other’s outreached places eccept village. BTPN Tbk Wow! In Village Ciampea Bogor City was one of the most Principle Agency Of Branchless Banking in Indonesia. Therefore there are Law was binding in application Principle Agency Of Branchless Banking between Bank and Agent. The research will be descriptive and analytical research and also use a juridicial and normative approachment method. The stages of the research consist of literature and field research. Juridicial and normative approachment focus on Legal Standing Between Bank and Principle Agency Of Branchless Banking and the field research is Bank BTPN Wow! As a Branchles Banking financial services in Village Ciampea, Bogor City. Based on the results of the research, Financial Inclusion based on Legal Standing Between Bank and Principle Agency Of Branchless Banking related to Rules Of Contract such; Good Faith, Personality, and Agreement. The term of Agreement means capability, responsibility, and liability which different between Bank and Agent. Implementation procedure Customer due diligence (CDD) harm to Agent cause breaking or Crime against law or contract between bank or customer or it is a right for custumer to binding the Agent to Court
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Franksiska, Rosaly, Yenny Purwati, Paskah Ika Nugroho, and Arief Widodo. "Driving and Inhibiting Factors of Branchless Banking Technology Adoption in Rural Community." KINERJA 21, no. 1 (April 10, 2017): 35. http://dx.doi.org/10.24002/kinerja.v21i1.1033.
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This research is aimed to understand the perception of rural people toward Branchless Banking and to explore the factors that encourage them to adopt Branchless Banking technology in Indonesian context. Innovation diffusion theory was used in this research. Variables consisted of relative advantage, compatibility, complexity, trialability, and observability used to explore the perception of rural people toward Branchless Banking. Questionnaires were distributed to people in Kuncen village, Salatiga Indonesia. We found that relative advantage and complexity are factors that drive Kuncen village people to adopt Branchless Banking. Thus, compatibility, trialability, and observability are the inhibitors for Branchless Banking adoption.Keywords: Branchless Banking, mobile payment systems, technology adoption, financial inclusion
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Mangani, Ktut Silvanita, Yusman Syaukat, Bustanul Arifin, and Mangara Tambunan. "ECONOMIC BEHAVIOR OF MICRO AND SMALL BUSINESS HOUSEHOLDS IN A BRANCHLESS BANKING SYSTEM." Journal of Indonesian Economy and Business 34, no. 1 (July 1, 2019): 57. http://dx.doi.org/10.22146/jieb.31493.
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Introduction: This study aims to analyze how the existence of branchless banking in rural areas affects the economic behavior of the micro and small business households, and vice versa. Background Problem: Within the framework at inclusive finance program, Indonesia has implemented the branchless banking model. However, the impact of the branchless banking system to micro and small business household has not discussed yet. Research Method: The research was conducted in Bogor District, with many remote villages adjacent to Jakarta, a capital city of Indonesia. A total of 97 samples of micro and small business households were selected from 13 sub-districts. The estimation was conducted using 2SLS method. The model describes the existing condition that explains the uniqueness of the economic behavior of the micro and small business households in a branchless banking system. Novelty: Studies related to branchless banking generally analyzed from the perspective of banking institutions. However, this study focusses on supply side, namely it analyzDe the household economic behavior using simultaneously equation model. Findings: The results show that the presence of branchless banking agents, as measured by the value of the transactions conducted by the households, have little effect on the economic behavior of the micro and small business households. On the other hand, the economic behavior variables which are expected to affect the value of the transactions do not occur. The results explain that the utilization of the banking services provided through agents in the branchless banking system is in the form of payment transactions. In addition, the presence of branchless banking in rural areas has not affected production activities and vice versa. Conclusion: This study suggests a further study to find out the factors that make business actors unwilling to perform financial transactions related to their production activities through branchless banking agents.
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Yudiana, Fetria Eka. "Modifikasi Branchless Banking Pada Perbankan Syariah di Indonesia Berdasarkan Kearifan Lokal." Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 9, no. 1 (June 26, 2018): 14. http://dx.doi.org/10.18326/muqtasid.v9i1.14-28.
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AbstractSharia banking is a business institution that reflects the existence of sharia economy which is closely related to social life of the community. The purpose of this research is to develop a branchless banking model, by analyzing and designing models based on related literature studies. By using qualitative analysis based on theory and literature study, it can be concluded that the development of branchless banking model in Indonesia especially in sharia banking is more appropriate if it combines technology and local wisdom aspect as it is more suitable with character of cultural diversity, religion and geographical position of Indonesia. Local culture understood by sharia banking can be an advantage in developing branchless banking. Thus sharia banking must have the ability to cooperate with local economic units. The design of branchless banking model is integrated, workable and prudent banking sharia, so as to reach more people, especially unbanked people, in accordance with the basic principles of sharia banking in Indonesia. Integrated and in accordance with international standards will be able to increase market share of sharia banking in Indonesia.AbstrakPerbankan syariah adalah institusi bisnis yang mencerminkan eksistensi ekonomi syariah sangat terkait dengan kehidupan sosial masyarakat. Tujuan penelitian ini adalah mengembangkan sebuah model branchless banking,dengan menganalisis dan mendesain model berdasarkan studi literatur terkait. Dengan menggunakan analisis kualitatif berdasarkan teori dan studi literatur dapat disimpulkan bahwa pengembangan modelbranchless banking di Indonesia terutama pada perbankan syariah lebih tepat jika memadukan teknologi dan aspek kearifan lokal karena lebih sesuai dengan karakter keragaman budaya, agama dan letak geografis Indonesia. Budaya lokal yang dipahami oleh perbankan syariah dapat menjadi keuntungan dalam mengembangkan branchless banking. Sehingga Perbankan syariah harus memiliki kemampuan untuk bekerjasama dengan unit ekonomi lokal. Desain model branchless bankingpada perbankan syariah yang terintegrasi, workable dan prudent, sehingga dapat menjangkau lebih banyak masyarakat terutama unbanked people, sesuai dengan prinsip dasar perbankan syariah di Indonesia, terintegrasi dan sesuai dengan international standard akan dapat meningkatkan market share perbankan syariah di Indonesia
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Mangani, Ktut Silvanita, Adolf Bastian Heatubun, and Martua Eliakim Tambunan. "Branchless Banking Process in Rural Areas: A Price Barrier?" Journal of Public Administration and Governance 11, no. 2 (June 28, 2021): 317. http://dx.doi.org/10.5296/jpag.v11i2.18816.
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Branchless Banking is one of the programs of Indonesia's financial inclusion strategy. The programs' name is "Financial Service Without Office in the Framework of Inclusive Financial" which called “Laku Pandai.” This study aims to portrait the implementation of the Branchless Banking program concerning the obstacles that occurred to achieve program objectives. The research conducted using qualitative methods. The existence of Branchless Banking agents close to the community has fulfilled the program objective, to make an easy way for society to do financial transactions without having to go to the bank office. Therefore, the implementation of the Branchless Banking program met the criteria for eliminating non-price barriers in financial services in remote areas. However, delegation authority to the agent as an extension of the bank to provide limited financial services has encouraged agents to engage in moral hazard behaviors by charging the tariff that greater than the official rate set by the managing bank. It showed that the agent has taken the consumer surplus provided by the Branchless Banking technology. Although accepted by society since considerably cheaper than the fee to go to the nearest bank office, that condition becomes a price barrier for the future development of Branchless Banking.
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Prendergast, Gerard, and Norman Marr. "Towards a Branchless Banking Society?" International Journal of Retail & Distribution Management 22, no. 2 (March 1994): 18–26. http://dx.doi.org/10.1108/09590559410054095.
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Mas, Ignacio. "The Economics of Branchless Banking." Innovations: Technology, Governance, Globalization 4, no. 2 (April 2009): 57–75. http://dx.doi.org/10.1162/itgg.2009.4.2.57.
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Lozano, Daniel Maurico Alarcón, and Matteo Mandrile. "A NEW AGENT MODEL FOR BRANCHLESS BANKING IN COLOMBIA." Revista Civilizar de Empresa y Economía 1, no. 2 (December 10, 2010): 7. http://dx.doi.org/10.22518/2462909x.57.
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This article provides an overview of the current development of branchless banking in Colombia, within the context ofthe Government’s strategy to promote access to financial services through non-bank correspondents (NBC). It describes the Colombian legal and regulatory framework for branchless banking, focusing on the recent reforms and types of retailers permitted to serve as agents. Also, it examines the traditionalbanking sector’s interest in branchless banking, and shows the available platforms for the implementation of banking agent networks. It highlights the potential of branchlessbanking solutions for the Colombian microfinance institutions (MFI), identifying a new agent model that puts MFI centre-stage. The article concludes with a series of recommendationsfor the development of branchless banking as a tool to expand financial acces, taking into account issues that still have the potential to affect the degree of customeracceptance and its economic viability.
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Afandi, Muhammad Anif. "Contribution of Islamic Commercial Bank Financing to East Java Economic Growth in the Era of Branchless Banking." Journal of Economics Research and Social Sciences 5, no. 1 (February 22, 2021): 1–12. http://dx.doi.org/10.18196/jerss.v5i1.10926.
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This study aims to determine and analyze the contribution of Islamic Commercial Bank’s (BUS) financing to the economic growth of East Java Province in the era of branchless banking. Three types of financing channeled by the BUS namely working capital financing, investment and consumption are used as the independent variables tested each effect on the dependent variable which is economic growth in East Java with a proxy of GDRP in the period of the quarter-I 2010 to quarter-I 2020. Ordinary Least Square (OLS) with dummy variable of branchless banking (0 = before the implementation of the branchless banking program (before November 2014) and 1 = after the implementation of the branchless banking program (after November 2014) is used as data analysis technique with the results of the study show that only consumer financing that have a positive and significant impact on economic growth of East Java. Whereas, the productive financing known to have positive impact but not significant toward the economic growth of East Java. Meanwhile, the branchless banking program known to give the positive and significant difference impact on economic growth in East Java compared to economic growth prior to the enactment of it. The results of this study beneficial for both the BUS and the regulator as an evaluation of the level of inclusiveness of the BUS’s financing to economic growth and the implementation of branchless banking in Islamic bank.
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Dzombo, Gift Kimonge, James M. Kilika, and James Maingi. "The Mediating Effect of Financial Inclusion on the Relationship between Branchless Banking Strategy and Performance of Commercial Banks in an Emerging market Context: The Case of Kenya." International Journal of Economics and Finance 10, no. 7 (June 25, 2018): 161. http://dx.doi.org/10.5539/ijef.v10n7p161.
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Since 1990 to date, a lot of banking innovation has taken place in order to improve commercial banks financial performance. Branchless banking which involves the use of agency banking and electronic banking channels in the distribution of banking products and services is one such innovation. This study investigated the role of financial inclusion on the relationship between branchless banking strategy and financial performance of commercial banks in Kenya. The specific objectives of the study were to analyze the effect of agency banking and electronic banking channels on the financial performance of commercial banks in Kenya. The study also aimed at determining the mediating effect of financial inclusion on the relationship between branchless banking and financial performance of commercial banks in Kenya. The study adopted a correlational research design. A survey of all the 42 licensed commercial banks in Kenya was done. Both primary and secondary data on branchless banking and financial performance of banks was obtained from the commercial banks and Central Bank of Kenya banking annual supervision reports respectively. Return on Assets (ROA) was used as the main indicator of commercial banks financial performance. The amount of investment in agency and electronic banking was used as indicators for agency and electronic banking. Data analysis was done using SPSS and STATA statistical software. Study findings indicated that when used in isolation; both agency and electronic banking had a significant negative effect on the financial performance of commercial banks. However when agency and electronic banking channels were used together as a multichannel strategy, the effect on bank’s financial performance was found to be positive and significant at the 95 percent significance level. Study findings also indicate that the strength of the relationship between branchless banking strategy and financial performance of commercial banks in Kenya depends on the level of financial inclusion. The study recommends that for positive returns, commercial banks should invest in both agency and electronic banking as a multichannel strategy since these channels are complimentary to each other and calls on the government to come up with policies to foster financial inclusion within the banking industry in order for the industry to achieve maximum returns from branchless banking strategies.
Dissertations / Theses on the topic "Branchless Banking"
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Majoma, Munyaradzi Laurel. "The role of branchless banking in smallholder agriculture in Zimbabwe." Diss., University of Pretoria, 2016. http://hdl.handle.net/2263/60828.
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Access to financial services from financial institutions has often proved to be one of the major constraints to rural and smallholder agricultural development in Zimbabwe. However, the ICT revolution across the world leading to the development of branchless banking options has brought new financial inclusion opportunities in the rural areas.
The purpose of this study was to determine the role of branchless banking in smallholder agriculture through investigating the user patterns and adoption rate of mobile banking by rural farmers in Zimbabwe. Zvimba District was used as the case study while mobile banking was the branchless banking option investigated. The study also sought to investigate the barriers to adoption of mobile banking, in addition to laying out the difference between traditional banking channels and mobile banking.
A survey through a structured interview with rural smallholder farmers was the main means of data collection. The data collected was then used to quantify the adoption of mobile banking, the barriers to adoption, and the alternative financial service providers used in rural areas, making it possible to draw conclusions for the purposes of policy formulation.
The findings from the study revealed a high rate of adoption of mobile banking among the rural people. According to the study, even though mobile banking was cheaper and more accessible, traditional banking channels were still cited as being an important need for rural people. The significant factors investigated as creating barriers to adoption of mobile banking included age, education, income, marital status and farming experience, while factors such as gender and farm size proved to be insignificant.
In light of the findings, it was recommended that besides transactional uses, branchless banking should be further developed and enhanced to provide other services such as insurance services and credit needed by smallholder farmers. Furthermore, in order to enhance customer uptake, mobile network operators (MNOs) were recommended to consider a segmentation approach when extending services to appropriate segments in rural areas.Dissertation (MInst (Agrar))--University of Pretoria, 2016.
Agricultural Economics, Extension and Rural Development
MInst (Agrar)
Unrestricted
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Makhubedu, Dipolelo. "An analysis of models of branchless banking in developing countries." Master's thesis, University of Cape Town, 2012. http://hdl.handle.net/11427/11513.
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Includes abstract.Includes bibliographical references.
This paper pays special attention to banking the unbanked population in the developing markets through branchless banking. This form of banking is defined as the delivery of financial services outside conventional bank branches using information and communications technologies and nonbank retail agents. The services offered take a variety of forms including long-distance remittances, micropayments, and informal airtime bartering schemes for example: mobile banking, mobile transfers, and mobile payments. Using Kenya’s M-PESA as the lead case study, the impact of combining the use of mobile network operators and banks has proved to be effective.
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Murwisi, Kurauone. "The potential for branchless banking services in smallholder farmer value chains : a case of the Zimbabwean smallholder cotton value chain." Diss., University of Pretoria, 2015. http://hdl.handle.net/2263/45898.
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Smallholder farmers across the developing world are continuously faced with a challenge of failing to access financial services from formal financial institutions mainly due to the high levels of transaction costs associated with small farmer financing. Against this background, this study set out to investigate the potential for incorporating branchless banking services into smallholder farmer value chains as a means to reduce transaction costs along smallholder farmer value chains and to enhance access to finance for smallholder farmers.
While this study acknowledges that assessing the potential for successful development of branchless banking services requires an analysis of demand and supply side factors, this study was however limited to the demand side of branchless banking development. The study’s main focus was on investigating whether key demand factors that are requisite for branchless banking services deployment in smallholder farmer value chains are in currently in place. The general arguments were that there is a strong potential for introducing branchless banking services in the smallholder farmer value chain if firstly, there are transaction points along the value chain where branchless banking services can be used to drive financial transactions. Secondly, there should be a ready-to-adopt smallholder farmer market with a willingness and existing physical and technical capacity to adopt branchless banking services. Thirdly, the business environment existing in terms of the branchless banking regulatory framework and rural retail infrastructure should be supportive of branchless banking development. The study was carried out in the Gokwe farming district of Zimbabwe where a total of 80 randomly sampled smallholder cotton farmers drawn from a relatively homogenous population group, comprising of both contracted and non-contracted farmers, were selected and interviewed as units of the study. Data collection made use of both primary and secondary techniques. Structured interviews with smallholder farmers and semi structured interviews with various value chain stakeholders in the cotton industry contributed towards the primary data. Various government, as well as private company documents and academic publications provided secondary information that was used in the study. The analytical framework of the study made use of three techniques namely the value chain analysis framework, the transaction costs economics framework and descriptive analysis.
The results provided by the analysis indicated that there is a strong potential for branchless banking services within the smallholder cotton value chain. The results showed that there are various transaction points along the smallholder cotton chain where branchless banking services can be used to drive financial transactions particularly where transactions are currently conducted on a cash basis. Smallholder farmers from the study were found to have a positive willingness to adopt branchless banking services as well as the technical and physical capacity to adopt branchless banking services. The regulatory environment and rural retail infrastructure was also found to be supportive in creating an enabling environment for branchless banking development.Dissertation (MScAgric)--University of Pretoria, 2015.
tm2015
Agricultural Economics, Extension and Rural Development
MScAgric
Unrestricted
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Jahan, Israt. "Agent banking as a relationship marketing tool by banks in Bangladesh." Thesis, Linnéuniversitetet, Institutionen för marknadsföring (MF), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-89775.
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With growing number of adult people not owning a bank account,efforts are being made to bring banking services to the unbanked populations.Relationships marketing plays a crucial role in establishing and sustaining beneficial relationship in the banking industry. This study sought to explore the link between agent banking and relationship marketing through an exploratory qualitative approach.The findings show that agent banking as a fairly new phenomenon relies on the integration of different functions within the bank with a strong emphasis on the role of technology,processes and personnel to delivder services that can be acceptable to the customers so as to create long lasting beneficial relationships. Through semi-structured interviews with employees of 6 banks that offer agent banking in Bangladesh,this study contributes a key reflection document on implemenation of agent banking for other banks that intend to start offering agent banking services in Bangladesh.
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Muthinja, Moses Mwenda. "Financial innovations and bank performance in Kenya: evidence from branchless banking models." Thesis, 2016. http://hdl.handle.net/10539/21983.
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PhD (Finance), School of Economic and Business Sciences,
UNIVERSITY OF THE WITWATERSRAND, JOHANNESBURG
8th June, 2016This study examines the relationship between financial innovation and financial performance of commercial banks in Kenya, as well as the drivers of financial innovations at both firm and macro levels. The financial innovations covered are the branchless banking models, which represent a departure from the traditional branch-based banking. More specifically, the financial innovations covered are: Mobile banking, agency banking, internet banking and Automated Teller Machines (ATMs). The study uses 10-year panel (secondary) data for the period spanning year 2004 to 2013. The study conducts an empirical analysis of the four types of financial innovations using three econometric models. The models have been specified using Koyck distributed lag models and estimated using dynamic panel estimation with System Generalised Method of Moments (GMM). The speed of adjustment of bank financial performance to financial innovation as well as the speed of adjustment of financial innovation to the financial innovation drivers has been tested using Koyck mean and median lags. The empirical results provide strong evidence of the link between financial innovations and bank financial performance with respect to Kenyan commercial banks. The study makes a number of other findings. Firstly, financial innovations significantly contribute to firm financial performance and that firm-specific factors are more important to the firm’s current financial performance than industry factors. Secondly, firm-specific variables significantly drive financial innovations at firm level with firm size being the most significant driver of financial innovation at firm level. The firm specific factors include firm size, transaction costs, agency costs, and technological infrastructure at firm level. Thirdly, macro level variables significantly drive financial innovation at firm level with regulation being the most important driver at macro level. The macro level drivers reviewed include: Regulation and taxes, incompleteness in financial markets, technological infrastructure at macro level and globalisation. Lastly, the existence of reverse causation between firm financial performance and firm financial innovation is established. The speed of adjustment of firm financial performance to financial innovation has been determined. The results show that it takes on average 1.179 years for bank financial performance to adjust to the four financial innovations studied. Secondly, it takes less than a year (0.368 years) to accomplish 50% of the total change in firm performance following a unit-sustained change in the financial innovations. Moreover, mobile banking has the shortest mean lag (2.849) while ATMs have the longest mean lag (4.926). Therefore, it takes approximately three years for mobile banking to adjust to financial innovation drivers at firm level and on average five years for ATMs to adjust to the financial innovation drivers. By and large, the speed of adjustment of financial innovations to macro level drivers is higher than the speed of adjustment of financial innovations to firm level drivers. This study has made significant contribution to the body of knowledge in the field of financial innovations. The study has developed an econometric model which captures four financial innovations in a single study and empirically used the model to test their link to firm financial performance. The second and third econometric models have also captured the drivers of financial innovations at firm and macro levels. The reviewed literature observes that previous studies have largely focused on financial products in developed countries at the expense of emerging financial innovations in developing countries. In addition, previous studies have also largely ignored empirical approaches to the study of financial innovations. This study has empirically established the link between financial innovations and firm performance by modelling the four innovations in single model in a developing country (Kenya) context. One of the major contributions of this study is the establishment of the speed of adjustment of firm performance to financial innovations and the speed of adjustment of financial innovations to financial innovation drivers at both firm and macro levels. Lastly, the study has developed an original conceptual financial innovation value model (Fig. 6.1), which will be used in future financial innovation studies. This study has a number of managerial and policy implications which have been reviewed in the study.
MT2017
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CHEN, CHUN-YANG, and 陳俊仰. "An Empirical Analysis of Generation Y’s Consumer Acceptance of Branchless Banking in Taiwan." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/4b6xhx.
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碩士國立臺北商業大學
國際商務系碩士班
106
Branchless banking is an up-and-coming banking service that originated from emerging countries. It highly utilizes information technologies and alternative channels. It has the potential to solve the problems of overbanking and underbanking. Therefore, it has become a disruptive innovation in foreign markets. This study aims to investigate the factors that affect Generation Y’s user consumer acceptance of branchless banking in Taiwan. The research uses mixeds methods. In order to understand the factors that affect branchless banking’s acceptance, this study uses the Unified Theory of Acceptance and Use of Technology (UTAUT) and the theory of Perceived Value along with the Diffusion of Innovations Theory. Using convenience sampling, a total of 345 surveys were collected in northern and central Taiwan. Among them, 182 surveys are from Generation Y. 8 in-depth interviews were conducted; 4 of them are from Generation Y. The surveys were analyzed using the Amos and SPSS softwares with the Structural Equation Modeling (SEM) approach and T-test, along with qualitative techniques of mixed methods. Thus, this was mixed methods research. This leads to the following preliminary findings within the context of branchless banking. First, the effort expectation does not affect the behavioral intention of Generation Second, Y. Second, the perceived benefit mediates through perceived value to positively affect the behavior intention of Generation Y. Third, the perceived risk negatively affects the behavior intention of Generation Y. Fourth, the personal innovativeness positively affects the behavior intention of Generation Y.
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Javaad, Syed. "Bankers' Perceptions of the Role of Technology in Addressing Financial Exclusion." Thesis, 2012. http://hdl.handle.net/10012/7002.
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Financial inclusion is a measure of the ability of a population to make use of financial services. High rates of financial inclusion in a country are empirically correlated with high levels of economic development in that country; low rates of financial inclusion are correlated with low levels of development. Thus, policy makers are generally agreed that one method to increase economic development is to increase the level of financial inclusion.
Not all attempts to increase financial inclusion are successful. Initiatives to improve financial inclusion can fail when policy makers or financial service providers have incorrect perceptions about financial inclusion. They may have incorrect perceptions about the purposes and beneficiaries of financial inclusion, or incorrect perceptions about how technology can encourage financial inclusion.
This thesis investigates the perceptions of Pakistani bankers about financial inclusion in Pakistan. A survey of 125 Pakistani bankers was conducted. The results of the survey show that while bankers want to improve financial inclusion, they have perceptions that limit their effectiveness in reaching this goal. First, bankers’ perceptions of the actual financial inclusion levels in the country are higher than generally accepted empirical measures. Second, their perceptions about the reasons for financial exclusion are limited to socio-economic factors like low income and education of people. Finally, they have limited appreciation of the role that technology can play in elevating the level of financial inclusion. Bankers show more interest in customer-facing technology than in back-end technical infrastructure, thus limiting the scalability and interoperability of their systems.
Our guidance to policy makers is to address these perceptual problems through education and through government-backed technical infrastructure programs, thus better enabling the banking industry to improve financial inclusion in Pakistan.
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Perlman, Leon Joseph. "Legal and regulatory aspects of mobile financial services." Thesis, 2012. http://hdl.handle.net/10500/13362.
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The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| viPublic, Constitutional and International Law
LLD
Book chapters on the topic "Branchless Banking"
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David-West, Olayinka, Immanuel Ovemeso Umukoro, and Nkemdilim Iheanachor. "Branchless banking and financial inclusion." In Marketing and Mobile Financial Services, 227–55. Abingdon, Oxon; New York, NY: Routledge, 2019.: Routledge, 2018. http://dx.doi.org/10.4324/9781351174466-11.
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Cobourne, Sheila, Keith Mayes, and Konstantinos Markantonakis. "Using the Smart Card Web Server in Secure Branchless Banking." In Network and System Security, 250–63. Berlin, Heidelberg: Springer Berlin Heidelberg, 2013. http://dx.doi.org/10.1007/978-3-642-38631-2_19.
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Lewis, Rory. "Neuroscience Rough Set Approach for Credit Analysis of Branchless Banking." In Lecture Notes in Computer Science, 536–41. Cham: Springer International Publishing, 2014. http://dx.doi.org/10.1007/978-3-319-08326-1_57.
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Niang, Cecile T., Mihasonirina Andrianaivo, Katherine S. Diaz, and Sarah Zekri. "Appendix H. Branchless Banking Models for Bhutan." In Connecting the Disconnected, 79–81. The World Bank, 2013. http://dx.doi.org/10.1596/9780821398340_app-h.
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Kandpal, Vinay, and Osamah Ibrahim Khalaf. "Artificial Intelligence and SHGs." In Deep Learning Strategies for Security Enhancement in Wireless Sensor Networks, 291–303. IGI Global, 2020. http://dx.doi.org/10.4018/978-1-7998-5068-7.ch015.
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For inclusive growth and sustainable development of SHG and women empowerment, there is a need to provide an environment to access quality services from financial and non-financial agencies. While banks cannot reach all people through a ‘brick and mortar' model, new and advanced banking technology has enabled financial inclusion through branchless banking. By using artificial intelligence in banking, banks have a cost-effective and efficient solution to provide access to services to the financially excluded. Digital technology improves the accessibility and affordability of financial services for the previously unbanked or underbanked individuals and MSMEs. A big data-driven model can also be helpful for psychometric evaluations. Several psychometric tools help evaluate the applicant's answers which aid to capture information that can help to predict loan repayment behavior, comprising applicants' beliefs, performance, attitudes, and integrity.
Conference papers on the topic "Branchless Banking"
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Panjwani, Saurabh. "Practical receipt authentication for branchless banking." In the 3rd ACM Symposium. New York, New York, USA: ACM Press, 2013. http://dx.doi.org/10.1145/2442882.2442886.
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Mitha, Yusuf, and HS Venter. "Digital forensic readiness for branchless banking." In 2015 IST-Africa Conference. IEEE, 2015. http://dx.doi.org/10.1109/istafrica.2015.7190578.
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Yuliaty, Tetty, M. Fauzan Azhmy, Muslim Marpaung, and Hendri Tanjung. "Study Of Branchless Banking Business Model." In 1st Economics and Business International Conference 2017 (EBIC 2017). Paris, France: Atlantis Press, 2018. http://dx.doi.org/10.2991/ebic-17.2018.72.
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Maharjan, Mahesh, and Subarna Shakya. "ICT, Local Governance and Branchless Banking." In ICEGOV '17: 10th International Conference on Theory and Practice of Electronic Governance. New York, NY, USA: ACM, 2017. http://dx.doi.org/10.1145/3047273.3047318.
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Panjwani, Saurabh. "Towards end-to-end security in branchless banking." In the 12th Workshop. New York, New York, USA: ACM Press, 2011. http://dx.doi.org/10.1145/2184489.2184496.
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Sintha, Lis. "Branchless Banking as a Disruptive Innovation in Indonesia." In 2nd Annual Conference on blended learning, educational technology and Innovation (ACBLETI 2020). Paris, France: Atlantis Press, 2021. http://dx.doi.org/10.2991/assehr.k.210615.074.
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Suhardi and Rahardian Dwi Juliarto. "Validation of an IT value model for branchless banking." In 2015 International Conference on Electrical Engineering and Informatics (ICEEI). IEEE, 2015. http://dx.doi.org/10.1109/iceei.2015.7352478.
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Mtambalika, Augustine, Tiwonge Davis Manda, Harry Gombachika, and Gregory Kunyenje. "Branchless banking in rural Malawi: Potential customers' perspective on bank-led mobile banking." In 2016 IST-Africa Week Conference. IEEE, 2016. http://dx.doi.org/10.1109/istafrica.2016.7530701.
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Song, Insu, and John Vong. "Mobile Core-Banking Server: Cashless, Branchless and Wireless Retail Banking for the Mass Market." In 2013 International Conference on IT Convergence and Security (ICITCS). IEEE, 2013. http://dx.doi.org/10.1109/icitcs.2013.6717857.
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Hakim Suhaimi, Ahmad Iqbal, and Mohd Shahrulnizam Bin Abu Hassan. "Determinants of Branchless Digital Banking Acceptance Among Generation Y in Malaysia." In 2018 IEEE Conference on e-Learning, e-Management and e-Services (IC3e). IEEE, 2018. http://dx.doi.org/10.1109/ic3e.2018.8632626.
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