Improving Financial Inclusion through Digital Savings and Credit

Prashant Bharadwaj · Tavneet Suri

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Microfinance and Financial Inclusion FinTech, Crowdfunding, Digital Finance Economic Growth and Development

Abstract

This paper examines the effects of promotions to increase participation in digital banking and improve financial inclusion. M-Shwari, Kenya's most popular digital banking platform, ran a promotion called Stawisha Na M-Shwari from mid-April 2016 to early June 2016. The promotion incentivized individuals to save and to repay loans. We find large and persistent effects of the promotion on loan-taking behavior. While savings ramp up during the promotional period, we do not see sustained increases in savings after the end of the promotion.

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References

2013Risk Sharing and Transactions Costs: Evidence from Kenya's Mobile Money Revolution 2015Six Randomized Evaluations of Microcredit: Introduction and Further Steps 2018The Potential of Digital Credit to Bank the Poor

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2022World Development Report 2022: Finance for an Equitable Recovery 2021Financial Inclusion and Household Welfare: An Entropy-Based Consumption Diversification Approach

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