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2016
- handle: 10670/1.rt2oja
- halshs: halshs-01576774
- doi: 10.4000/rei.6469
Ce document est lié à :
info:eu-repo/semantics/altIdentifier/doi/10.4000/rei.6469
Mots-clés
mobile-payment M-payment remittance flows. D - Microeconomics/D.D1 - Household Behavior and Family Economics/D.D1.D13 - Household Production and Intrahousehold Allocation E - Macroeconomics and Monetary Economics/E.E4 - Money and Interest Rates/E.E4.E42 - Monetary Systems • Standards • Regimes • Government and the Monetary System • Payment Systems F - International Economics/F.F2 - International Factor Movements and International Business/F.F2.F23 - Multinational Firms • International Business O - Economic Development, Innovation, Technological Change, and Growth/O.O3 - Innovation • Research and Development • Technological Change • Intellectual Property Rights/O.O3.O33 - Technological Change: Choices and Consequences • Diffusion ProcessesSujets proches
Technological change Breakthroughs, Technological Innovations, Industrial Technological breakthroughs Technical innovations Innovations, TechnologicalCiter ce document
Torre Dominique et al., « M-payment use and remittances in developing countries: a theoretical analysis », HAL-SHS : économie et finance, ID : 10.4000/rei.6469
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Résumé
Many developing countries are characterized by high levels of remittances and low levels of financial inclusion. In this context, introduction of M-payment services can be seen as a means of improving both financial inclusion and remittance levels. To our knowledge, M-payments and remittances so far have been studied separately; in this paper, we investigate their interplay by analyzing how domestic use of M-payment services alters individual remittance decisions, and thus impact on aggregate remittance flows and welfare. We consider a theoretical model which accounts for both the decision to send a remittanceand the remittance receivers’ use of that remittance. We find that M-payment use has a positive effect on aggregate remittanceflows and also a favorable impact on welfare. However, we find that once introduced, the price of M-payment services can have unpredictable effects.