Transaction Networks: Evidence from Mobile Money in Kenya

Author(s)
Jack, William; Ray, Adam; Suri, Tavneet
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Abstract
Mobile money allows households in Kenya to spread risk more efficiently. In this paper we show that these efficiencies are achieved through deeper financial integration and expanded informal networks. Active networks are more geographically dispersed and support more reciprocal financial arrangements. Consistent with the reported reciprocity, mobile money users report a higher share of transactions as being for credit and insurance purposes.
Date issued
2013-05
URI
http://hdl.handle.net/1721.1/88135
Department
Sloan School of Management
Journal
American Economic Review
Publisher
American Economic Association
Citation
Jack, William, Adam Ray, and Tavneet Suri. “Transaction Networks: Evidence from Mobile Money in Kenya.” American Economic Review 103, no. 3 (May 2013): 356–361. © 2013 The American Economic Association
Version: Final published version
ISSN
0002-8282
1944-7981
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