TY  - GEN
AB  - About 2.5 billion adults, just over half the world's adult population, lack bank accounts. If we are to realize the goal of extending banking and other financial services to this vast "unbanked" population, we need to consider not only such product innovations as microfinance and mobile banking but also issues of data accuracy, impact assessment, risk mitigation, technology adaptation, financial literacy, and local context. In Banking the World, experts take up these topics, reporting on new research that will guide both policy makers and scholars in a broader push to extend financial markets. The contributors consider such topics as the complexity of surveying people about their use of financial services; evidence of the impact of financial services on income; the occasional negative effects of financial services on poor households, including disincentives to work and overindebtedness; and tools for improving access such as nontraditional credit scores, financial incentives for banking, and identification technologies that can dramatically reduce loan default rates.
AU  - Cull, Robert J.,
AU  - Demirgüç-Kunt, Aslı,
AU  - Morduch, Jonathan,
CN  - HG195
ID  - 1385987
KW  - Finance
KW  - Banks and banking
KW  - Financial institutions
KW  - ECONOMICS/Trade & Development
KW  - ECONOMICS/Finance
LK  - https://univsouthin.idm.oclc.org/login?url=https://doi.org/10.7551/mitpress/9517.001.0001?locatt=mode:legacy
LK  - http://www.oclc.org/content/dam/oclc/forms/terms/vbrl-201703.pdf
N2  - About 2.5 billion adults, just over half the world's adult population, lack bank accounts. If we are to realize the goal of extending banking and other financial services to this vast "unbanked" population, we need to consider not only such product innovations as microfinance and mobile banking but also issues of data accuracy, impact assessment, risk mitigation, technology adaptation, financial literacy, and local context. In Banking the World, experts take up these topics, reporting on new research that will guide both policy makers and scholars in a broader push to extend financial markets. The contributors consider such topics as the complexity of surveying people about their use of financial services; evidence of the impact of financial services on income; the occasional negative effects of financial services on poor households, including disincentives to work and overindebtedness; and tools for improving access such as nontraditional credit scores, financial incentives for banking, and identification technologies that can dramatically reduce loan default rates.
SN  - 0262305992
SN  - 9780262305990
SN  - 9780262305075
SN  - 0262305070
T1  - Banking the world :empirical foundations of financial inclusion /
TI  - Banking the world :empirical foundations of financial inclusion /
UR  - https://univsouthin.idm.oclc.org/login?url=https://doi.org/10.7551/mitpress/9517.001.0001?locatt=mode:legacy
UR  - http://www.oclc.org/content/dam/oclc/forms/terms/vbrl-201703.pdf
ER  -