Publication:
Mobile Banking and Financial Inclusion : The Regulatory Lessons

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dc.contributor.authorKlein, Michael
dc.contributor.authorMayer, Colin
dc.date.accessioned2012-03-19T18:02:16Z
dc.date.available2012-03-19T18:02:16Z
dc.date.issued2011-05-01
dc.description.abstractMobile banking is growing at a remarkable speed around the world. In the process it is creating considerable uncertainty about the appropriate regulatory response to this newly emerging service. This paper sets out a framework for considering the design of regulation of mobile banking. Since it lies at the interface between financial services and telecoms, mobile banking also raises competition policy and interoperability issues that are discussed in the paper. Finally, by unbundling payments services into its component parts, mobile banking provides important lessons for the design of financial regulation more generally in developed as well as developing economies.en
dc.identifierhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20110518143113
dc.identifier.doi10.1596/1813-9450-5664
dc.identifier.urihttps://hdl.handle.net/10986/3427
dc.languageEnglish
dc.relation.ispartofseriesPolicy Research working paper ; no. WPS 5664
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS PRICING
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO PAYMENTS
dc.subjectACCOUNT HOLDER
dc.subjectACCOUNT HOLDERS
dc.subjectACCOUNT OWNERS
dc.subjectACCOUNTING
dc.subjectADVANCED ECONOMIES
dc.subjectANTI-MONEY LAUNDERING
dc.subjectANTI-MONEY LAUNDERING LEGISLATION
dc.subjectASSET CLASSES
dc.subjectATM
dc.subjectBANK ACCOUNT
dc.subjectBANK ACCOUNTS
dc.subjectBANK BRANCH
dc.subjectBANK BRANCHES
dc.subjectBANK DEPOSITS
dc.subjectBANK FOR INTERNATIONAL SETTLEMENTS
dc.subjectBANK REGULATION
dc.subjectBANKING MODELS
dc.subjectBANKING REGULATION
dc.subjectBANKING SERVICES
dc.subjectBANKING SUPERVISION
dc.subjectBANKING SYSTEM
dc.subjectBANKS
dc.subjectBARRIER
dc.subjectBARRIER TO ENTRY
dc.subjectBASIC
dc.subjectBENEFICIARY
dc.subjectBOOK ENTRY
dc.subjectBOOK-ENTRY
dc.subjectBORROWING
dc.subjectBUSINESS MODELS
dc.subjectCAPITAL ADEQUACY
dc.subjectCAPITAL CONTROL
dc.subjectCAPITAL REQUIREMENTS
dc.subjectCASH ECONOMY
dc.subjectCASH MANAGEMENT
dc.subjectCASH WITHDRAWALS
dc.subjectCENTRAL BANK
dc.subjectCHECKING ACCOUNT
dc.subjectCHECKS
dc.subjectCLEARING SYSTEMS
dc.subjectCOLLATERAL
dc.subjectCOMMERCIAL BANKING
dc.subjectCOMMERCIAL LAW
dc.subjectCOMMUNICATION TECHNOLOGIES
dc.subjectCOMMUNITIES
dc.subjectCOMPETITION POLICY
dc.subjectCOMPETITIVE MARKETS
dc.subjectCOMPONENTS
dc.subjectCONSUMER PROTECTION
dc.subjectCONTRACTUAL RELATIONSHIP
dc.subjectCREDIT CARD
dc.subjectCREDIT CARDS
dc.subjectCREDIT GROWTH
dc.subjectCREDITS
dc.subjectCUSTODY
dc.subjectCUSTOMER DEMAND
dc.subjectDEPOSIT
dc.subjectDEPOSIT INSURANCE
dc.subjectDEPOSITOR
dc.subjectDEPOSITORS
dc.subjectDEPOSITS
dc.subjectDEVELOPING COUNTRIES
dc.subjectDEVELOPING ECONOMIES
dc.subjectDEVICES
dc.subjectDISCLOSURE REQUIREMENTS
dc.subjectDISPUTE RESOLUTION
dc.subjectDIVERSIFICATION
dc.subjectE-MONEY
dc.subjectECONOMIC ACTIVITY
dc.subjectECONOMIC POLICY
dc.subjectELECTRONIC ACCOUNT
dc.subjectELECTRONIC FORMS
dc.subjectELECTRONIC PAYMENTS
dc.subjectELECTRONIC TRANSFERS
dc.subjectEMERGING MARKETS
dc.subjectEMPLOYEE
dc.subjectEXPENDITURE
dc.subjectEXTERNALITIES
dc.subjectFAIR PRICE
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL REGULATION
dc.subjectFINANCIAL REGULATORS
dc.subjectFINANCIAL REVOLUTION
dc.subjectFINANCIAL RISKS
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL SYSTEMS
dc.subjectFINANCIAL TRANSACTIONS
dc.subjectFINANCIAL VIABILITY
dc.subjectFOREIGN CURRENCY
dc.subjectFRAUD
dc.subjectHEALTH SERVICES
dc.subjectHOLDING
dc.subjectHOUSEHOLD APPLIANCES
dc.subjectINCOME LEVEL
dc.subjectINCUMBENT PROVIDERS
dc.subjectINFLATION
dc.subjectINNOVATIONS
dc.subjectINSTITUTIONAL INFRASTRUCTURE
dc.subjectINSTRUMENT
dc.subjectINSURANCE
dc.subjectINTEREST INCOME
dc.subjectINTERNATIONAL BANK
dc.subjectINTERNATIONAL DEVELOPMENT
dc.subjectINTEROPERABILITY
dc.subjectINVESTING
dc.subjectINVESTMENT BANKING
dc.subjectINVESTMENT RISK
dc.subjectINVESTMENT RISKS
dc.subjectLEGAL BARRIERS
dc.subjectLEGAL PROTECTION
dc.subjectLEGISLATION
dc.subjectLIQUIDITY
dc.subjectLOAN
dc.subjectLOAN PAYMENTS
dc.subjectLOAN PRODUCTS
dc.subjectLOCAL CURRENCY
dc.subjectMARGINAL COSTS
dc.subjectMARKET FAILURE
dc.subjectMARKET PARTICIPANTS
dc.subjectMARKET SHARE
dc.subjectMATURITY
dc.subjectMATURITY TRANSFORMATION
dc.subjectMEANS OF EXCHANGE
dc.subjectMERCHANT
dc.subjectMERCHANTS
dc.subjectMICRO-FINANCE
dc.subjectMICRO-LENDING
dc.subjectMICROCREDIT
dc.subjectMICROFINANCE
dc.subjectMOBILE BANKING
dc.subjectMOBILE PAYMENT SYSTEM
dc.subjectMOBILE PHONE
dc.subjectMOBILE PHONES
dc.subjectMODERN FINANCIAL SYSTEMS
dc.subjectMONETARY AUTHORITIES
dc.subjectMONEY SUPPLY
dc.subjectMONEY TRANSFER
dc.subjectMONOPOLY
dc.subjectNETWORK INDUSTRIES
dc.subjectNETWORKS
dc.subjectNEW BUSINESS
dc.subjectNEW ENTRANTS
dc.subjectNEW TECHNOLOGIES
dc.subjectNEW TECHNOLOGY
dc.subjectNOW ACCOUNTS
dc.subjectOPERATIONAL RISK
dc.subjectOUTPUT
dc.subjectPAYMENT MECHANISM
dc.subjectPAYMENT MECHANISMS
dc.subjectPAYMENT OBLIGATIONS
dc.subjectPAYMENT OF INTEREST
dc.subjectPAYMENT SERVICES
dc.subjectPAYMENT SYSTEM
dc.subjectPAYMENT SYSTEMS
dc.subjectPAYMENTS SERVICES
dc.subjectPAYMENTS SYSTEM
dc.subjectPAYMENTS SYSTEMS
dc.subjectPHONE BANKING
dc.subjectPOINT OF SALE
dc.subjectPOINT-OF-SALE
dc.subjectPORTFOLIOS
dc.subjectPOST OFFICE
dc.subjectPRIVATE INFRASTRUCTURE
dc.subjectPRIVATE SECTOR DEVELOPMENT
dc.subjectPROFITABILITY
dc.subjectPRUDENTIAL REGULATION
dc.subjectRECEIPTS
dc.subjectREGISTRATION REQUIREMENTS
dc.subjectREGULATOR
dc.subjectREGULATORY APPROACHES
dc.subjectREGULATORY AUTHORITIES
dc.subjectREGULATORY REQUIREMENTS
dc.subjectREGULATORY SYSTEM
dc.subjectREGULATORY TREATMENT
dc.subjectREMITTANCE
dc.subjectREMITTANCES
dc.subjectREPAYMENTS
dc.subjectRETURN
dc.subjectRETURNS
dc.subjectRISK OF LOSS
dc.subjectSAFE INSTRUMENTS
dc.subjectSAVINGS
dc.subjectSETTLEMENT
dc.subjectSETTLEMENT SYSTEM
dc.subjectSUBSIDIARY
dc.subjectSYSTEMIC RISKS
dc.subjectTAX
dc.subjectTELECOMMUNICATIONS
dc.subjectTELEPHONE SERVICE
dc.subjectTERMINALS
dc.subjectTRADITIONAL BANKING
dc.subjectTRANSACTION
dc.subjectTRANSACTION COSTS
dc.subjectTRANSPARENCY
dc.subjectTRANSPORT
dc.subjectUNION
dc.subjectVILLAGES
dc.subjectWITHDRAWAL
dc.subjectWITHDRAWAL FEE
dc.titleMobile Banking and Financial Inclusion : The Regulatory Lessonsen
dspace.entity.typePublication
okr.crosscuttingsolutionareaJobs
okr.crossref.titleMobile Banking and Financial Inclusion: The Regulatory Lessons
okr.date.disclosure2011-05-01
okr.date.doiregistration2025-04-10T11:28:12.266235Z
okr.doctypePublications & Research::Policy Research Working Paper
okr.docurlhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20110518143113
okr.globalpracticeTrade and Competitiveness
okr.guid516511468161352996
okr.identifier.doi10.1596/1813-9450-5664
okr.identifier.externaldocumentum000158349_20110518143113
okr.identifier.internaldocumentum14213451
okr.identifier.reportWPS5664
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2011/05/18/000158349_20110518143113/Rendered/PDF/WPS5664.pdfen
okr.region.administrativeThe World Region
okr.region.administrativeThe World Region
okr.topicTechnology Industry
okr.topicIndustry
okr.unitDevelopment Research Group (DECRG)
okr.volume1 of 1
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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