An analysis of models of branchless banking in developing countries

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.

Grantor dc:publisher.institution

Department of Finance and Tax

Year dc:date.issued

2012

Author dc:creator

• Makhubedu, Dipolelo

Advisor dc:contributor.advisor

• Holman, Glen

Language dc:language.iso

eng

Handle dc:identifier.uri

http://hdl.handle.net/11427/11513

OAI identifier oai:identifier

oai:open.uct.ac.za:11427/11513