Cobalsa Guayaquil

Mobile money (MM) is one of the many promising equipment to enable more individuals moving into rural and marginalized communities in to the banking sector than ever before. It is gaining popularity in developing countries for almost 20 years.

However , LOGISTIK adoption has long been more successful when governments provide incentives to early on adopters. Using the Ecuadorian MILLIMETER project as a case study, we tested whether subsidized federal programs inspire more users to use MM as an alternative to money transactions and how real estate agents behave with time in this context.

During the task, the Government subsidized MM playing god through tax-incentives in the form of a refund to a user’s MILLIMETER account. We employed temporal analysis of network representations of MM deals to track the behavior of agents from this context after a while.

The Incentives Network captures all of the transactions by which the Government gives providers money back because of their usage of non-cash payments, such as MM and debit cards. This kind of network provides nodes that represent macro-agents, companies and users and also the Government plus the Central Commercial lender.

We assess this network after the implementation of OLEPF, and we find that, in the first spans, an important number of agents were removed as sedentary. In the subsequent spans, these providers regained the previous activity, they usually started to perform small ventures.

In fact , the training grew from simply no transactions to over 40, 000 per 30-day span in the last 10 spans. This maximize is largely related to the introduction of the incentives. These kinds of incentives motivated agents to accumulate e-money in their MM accounts and then cash-out the dollars. This increased the cost of e-money inside the MM accounts, and this worth has been growing over time.

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