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The Role of ICT in Helping Parallel Paths Converge: Microcredit and Correspondent Banking in Brazil

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  • Eduardo Henrique Diniz
  • Marlei Pozzebon
  • Martin Jayo

Abstract

Two important phenomena in the financial sector have drawn attention in recent years: on the one hand, microcredit is growing and earning renown as a powerful instrument for income generation and poverty reduction in a number of developing countries; on the other hand, correspondent banking (CB) outlets have risen to prominence as a main channel for the distribution of financial services to the low- income population, with particular success in Brazil. This paper argues that information and communication technology (ICT) applications have the potential to help these two movements, until now tracing parallel paths, to converge. We apply an emergent conceptual framework that combines three theoretical lenses: social shaping of technology, structurationist view of technology and contextualism. The result is an original reading of the possible combinations of CB and microfinance in Brazil and the expectation that the multilevel framework might help to understand similar complex phenomena in other Latin America contexts.

Suggested Citation

  • Eduardo Henrique Diniz & Marlei Pozzebon & Martin Jayo, 2009. "The Role of ICT in Helping Parallel Paths Converge: Microcredit and Correspondent Banking in Brazil," Journal of Global Information Technology Management, Taylor & Francis Journals, vol. 12(2), pages 80-103, April.
    • Handle: RePEc:taf:ugitxx:v:12:y:2009:i:2:p:80-103
    DOI: 10.1080/1097198X.2009.10856492
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    Cited by:

    1. Gupta, Sanal & Singh, Puran, 2023. "What drives activity of banking agents? Evidence from Rural India," World Development Perspectives, Elsevier, vol. 31(C).
    2. Mauro Falasca & Christopher Zobel & Cliff Ragsdale, 2011. "Helping a Small Development Organization Manage Volunteers More Efficiently," Interfaces, INFORMS, vol. 41(3), pages 254-262, June.
    3. Luiz Antonio Joia & Joaquim Pedro Vasconcelos Cordeiro, 2021. "Unlocking the Potential of Fintechs for Financial Inclusion: A Delphi-Based Approach," Sustainability, MDPI, vol. 13(21), pages 1-19, October.
    4. Rodrigo Fernandes Malaquias & Fernanda Francielle de Oliveira Malaquias & Yujong Hwang, 2017. "The role of information and communication technology for development in Brazil," Information Technology for Development, Taylor & Francis Journals, vol. 23(1), pages 179-193, January.

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