• 主题
高级搜索  >
历史搜索 清空历史
首页> 外文会议>Annual Hawaii International Conference on System Sciences >Mobile Banking for the Unbanked Poor without Mobile Phones: Comparing Three Innovative Mobile Banking Services in India
【24h】

Mobile Banking for the Unbanked Poor without Mobile Phones: Comparing Three Innovative Mobile Banking Services in India

机译：没有手机的无银行穷人的手机银行：印度三种创新的手机银行服务的比较

获取原文
页面导航
  • 摘要
  • 著录项
  • 相似文献
  • 相关主题

摘要

Mobile banking has created a new channel to reach over 2.5 billion unbanked poor in developing countries. Conventional mobile banking services require clients to be able to own a mobile phone and know how to operate it. However, a majority of the unbanked poor in developing countries are illiterate or semi-literate earning fluctuating incomes, often less than USD2.00 a day, and live in remote rural areas without reliable technology infrastructure. We evaluate three companies providing innovative mobile banking services, ZERO, FINO, and ESE, which do not require the poor to own a mobile phone or know how to operate it. All three companies employ human agents equipped with combinations of mobile technologies like NFC and smart cards, who meet the poor in their villages to conduct financial transactions. We reflect on the economic impact, market opportunity, and other issues related to innovative mobile banking services in the concluding section.
机译：手机银行开辟了一个新的渠道，可以覆盖发展中国家超过25亿的没有银行账户的穷人。传统的移动银行服务要求客户​​能够拥有手机并知道如何操作。但是，发展中国家大多数没有银行账户的穷人都是文盲或半文盲，收入波动很大，每天经常少于2.00美元，并且生活在偏远的农村地区，没有可靠的技术基础设施。我们评估了3家提供创新手机银行服务的公司，即零，FINO和ESE，它们不需要穷人拥有手机或知道如何操作手机。这三家公司都雇用了配备了移动技术（例如NFC和智能卡）组合的人工代理，他们与村里的穷人见面进行金融交易。在总结部分中，我们将对经济影响，市场机会以及与创新移动银行服务相关的其他问题进行反思。

著录项

相似文献

  • 外文文献
  • 中文文献
  • 专利
获取原文

客服邮箱：kefu@zhangqiaokeyan.com

京公网安备：11010802029741号 ICP备案号：京ICP备15016152号-6 六维联合信息科技 (北京) 有限公司©版权所有

  • 客服微信

  • 服务号