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Mobile money, risk sharing, and transaction costs: a replication study of evidence from Kenya’s mobile money revolution

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  • Nazila Alinaghi

Abstract

M-PESA, a mobile phone-based technology for transferring money provides a gateway to formal financial services for populations who otherwise would not have access. This study re-examines Jack and Suri's 'Risk Sharing and Transaction Costs' paper. With a few minor differences, the results are robust to consistency tests and sensitivity analyses. Since rural households are expected to particularly benefit from M-PESA, the heterogenous effects have also been explored by comparing benefits across urban and rural residents. The findings reported here and in the original study provide strong empirical evidence that M-PESA has had a positive impact on people’s financial health. Such financial benefits derived from market-based mobile money innovations can be vital in combating world poverty.

Suggested Citation

  • Nazila Alinaghi, 2019. "Mobile money, risk sharing, and transaction costs: a replication study of evidence from Kenya’s mobile money revolution," Journal of Development Effectiveness, Taylor & Francis Journals, vol. 11(4), pages 342-359, October.
    • Handle: RePEc:taf:jdevef:v:11:y:2019:i:4:p:342-359
    DOI: 10.1080/19439342.2019.1684343
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    Cited by:

    1. Qiu, Christina M., 2022. "Regionalized liquidity: A cross-country analysis of mobile money deployment and inflation in developing economies," World Development, Elsevier, vol. 152(C).
    2. Song, Yunxing & Gong, Yuanyuan & Song, Yan & Chen, Xiaohui, 2024. "Exploring the impact of digital inclusive finance on consumption volatility: Insights from household entrepreneurship and income volatility," Technological Forecasting and Social Change, Elsevier, vol. 200(C).
    3. Ablam Estel Apeti, 2022. "Household welfare in the digital age: Assessing the effect of mobile money on household consumption volatility in developing countries," Post-Print hal-03819779, HAL.
    4. Apeti, Ablam Estel, 2023. "Household welfare in the digital age: Assessing the effect of mobile money on household consumption volatility in developing countries," World Development, Elsevier, vol. 161(C).

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