Mobile Banking and Financial Inclusion : The Regulatory Lessons

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collection.link.5
https://openknowledge.worldbank.org/handle/10986/9
collection.name.5
Policy Research Working Papers
dc.contributor.author
Klein, Michael
dc.contributor.author
Mayer, Colin
dc.date.accessioned
2012-03-19T18:02:16Z
dc.date.available
2012-03-19T18:02:16Z
dc.date.issued
2011-05-01
dc.description.abstract
Mobile 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.identifier
http://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.uri
http://hdl.handle.net/10986/3427
dc.language
English
dc.relation.ispartofseries
Policy Research working paper ; no. WPS 5664
dc.rights
CC BY 3.0 IGO
dc.rights.holder
World Bank
dc.rights.uri
http://creativecommons.org/licenses/by/3.0/igo/
dc.subject
ACCESS PRICING
dc.subject
ACCESS TO FINANCE
dc.subject
ACCESS TO PAYMENTS
dc.subject
ACCOUNT HOLDER
dc.subject
ACCOUNT HOLDERS
dc.subject
ACCOUNT OWNERS
dc.subject
ACCOUNTING
dc.subject
ADVANCED ECONOMIES
dc.subject
ANTI-MONEY LAUNDERING
dc.subject
ANTI-MONEY LAUNDERING LEGISLATION
dc.subject
ASSET CLASSES
dc.subject
ATM
dc.subject
BANK ACCOUNT
dc.subject
BANK ACCOUNTS
dc.subject
BANK BRANCH
dc.subject
BANK BRANCHES
dc.subject
BANK DEPOSITS
dc.subject
BANK FOR INTERNATIONAL SETTLEMENTS
dc.subject
BANK REGULATION
dc.subject
BANKING MODELS
dc.subject
BANKING REGULATION
dc.subject
BANKING SERVICES
dc.subject
BANKING SUPERVISION
dc.subject
BANKING SYSTEM
dc.subject
BANKS
dc.subject
BARRIER
dc.subject
BARRIER TO ENTRY
dc.subject
BASIC
dc.subject
BENEFICIARY
dc.subject
BOOK ENTRY
dc.subject
BOOK-ENTRY
dc.subject
BORROWING
dc.subject
BUSINESS MODELS
dc.subject
CAPITAL ADEQUACY
dc.subject
CAPITAL CONTROL
dc.subject
CAPITAL REQUIREMENTS
dc.subject
CASH ECONOMY
dc.subject
CASH MANAGEMENT
dc.subject
CASH WITHDRAWALS
dc.subject
CENTRAL BANK
dc.subject
CHECKING ACCOUNT
dc.subject
CHECKS
dc.subject
CLEARING SYSTEMS
dc.subject
COLLATERAL
dc.subject
COMMERCIAL BANKING
dc.subject
COMMERCIAL LAW
dc.subject
COMMUNICATION TECHNOLOGIES
dc.subject
COMMUNITIES
dc.subject
COMPETITION POLICY
dc.subject
COMPETITIVE MARKETS
dc.subject
COMPONENTS
dc.subject
CONSUMER PROTECTION
dc.subject
CONTRACTUAL RELATIONSHIP
dc.subject
CREDIT CARD
dc.subject
CREDIT CARDS
dc.subject
CREDIT GROWTH
dc.subject
CREDITS
dc.subject
CUSTODY
dc.subject
CUSTOMER DEMAND
dc.subject
DEPOSIT
dc.subject
DEPOSIT INSURANCE
dc.subject
DEPOSITOR
dc.subject
DEPOSITORS
dc.subject
DEPOSITS
dc.subject
DEVELOPING COUNTRIES
dc.subject
DEVELOPING ECONOMIES
dc.subject
DEVICES
dc.subject
DISCLOSURE REQUIREMENTS
dc.subject
DISPUTE RESOLUTION
dc.subject
DIVERSIFICATION
dc.subject
E-MONEY
dc.subject
ECONOMIC ACTIVITY
dc.subject
ECONOMIC POLICY
dc.subject
ELECTRONIC ACCOUNT
dc.subject
ELECTRONIC FORMS
dc.subject
ELECTRONIC PAYMENTS
dc.subject
ELECTRONIC TRANSFERS
dc.subject
EMERGING MARKETS
dc.subject
EMPLOYEE
dc.subject
EXPENDITURE
dc.subject
EXTERNALITIES
dc.subject
FAIR PRICE
dc.subject
FINANCIAL DEVELOPMENT
dc.subject
FINANCIAL REGULATION
dc.subject
FINANCIAL REGULATORS
dc.subject
FINANCIAL REVOLUTION
dc.subject
FINANCIAL RISKS
dc.subject
FINANCIAL SERVICES
dc.subject
FINANCIAL SYSTEM
dc.subject
FINANCIAL SYSTEMS
dc.subject
FINANCIAL TRANSACTIONS
dc.subject
FINANCIAL VIABILITY
dc.subject
FOREIGN CURRENCY
dc.subject
FRAUD
dc.subject
HEALTH SERVICES
dc.subject
HOLDING
dc.subject
HOUSEHOLD APPLIANCES
dc.subject
INCOME LEVEL
dc.subject
INCUMBENT PROVIDERS
dc.subject
INFLATION
dc.subject
INNOVATIONS
dc.subject
INSTITUTIONAL INFRASTRUCTURE
dc.subject
INSTRUMENT
dc.subject
INSURANCE
dc.subject
INTEREST INCOME
dc.subject
INTERNATIONAL BANK
dc.subject
INTERNATIONAL DEVELOPMENT
dc.subject
INTEROPERABILITY
dc.subject
INVESTING
dc.subject
INVESTMENT BANKING
dc.subject
INVESTMENT RISK
dc.subject
INVESTMENT RISKS
dc.subject
LEGAL BARRIERS
dc.subject
LEGAL PROTECTION
dc.subject
LEGISLATION
dc.subject
LIQUIDITY
dc.subject
LOAN
dc.subject
LOAN PAYMENTS
dc.subject
LOAN PRODUCTS
dc.subject
LOCAL CURRENCY
dc.subject
MARGINAL COSTS
dc.subject
MARKET FAILURE
dc.subject
MARKET PARTICIPANTS
dc.subject
MARKET SHARE
dc.subject
MATURITY
dc.subject
MATURITY TRANSFORMATION
dc.subject
MEANS OF EXCHANGE
dc.subject
MERCHANT
dc.subject
MERCHANTS
dc.subject
MICRO-FINANCE
dc.subject
MICRO-LENDING
dc.subject
MICROCREDIT
dc.subject
MICROFINANCE
dc.subject
MOBILE BANKING
dc.subject
MOBILE PAYMENT SYSTEM
dc.subject
MOBILE PHONE
dc.subject
MOBILE PHONES
dc.subject
MODERN FINANCIAL SYSTEMS
dc.subject
MONETARY AUTHORITIES
dc.subject
MONEY SUPPLY
dc.subject
MONEY TRANSFER
dc.subject
MONOPOLY
dc.subject
NETWORK INDUSTRIES
dc.subject
NETWORKS
dc.subject
NEW BUSINESS
dc.subject
NEW ENTRANTS
dc.subject
NEW TECHNOLOGIES
dc.subject
NEW TECHNOLOGY
dc.subject
NOW ACCOUNTS
dc.subject
OPERATIONAL RISK
dc.subject
OUTPUT
dc.subject
PAYMENT MECHANISM
dc.subject
PAYMENT MECHANISMS
dc.subject
PAYMENT OBLIGATIONS
dc.subject
PAYMENT OF INTEREST
dc.subject
PAYMENT SERVICES
dc.subject
PAYMENT SYSTEM
dc.subject
PAYMENT SYSTEMS
dc.subject
PAYMENTS SERVICES
dc.subject
PAYMENTS SYSTEM
dc.subject
PAYMENTS SYSTEMS
dc.subject
PHONE BANKING
dc.subject
POINT OF SALE
dc.subject
POINT-OF-SALE
dc.subject
PORTFOLIOS
dc.subject
POST OFFICE
dc.subject
PRIVATE INFRASTRUCTURE
dc.subject
PRIVATE SECTOR DEVELOPMENT
dc.subject
PROFITABILITY
dc.subject
PRUDENTIAL REGULATION
dc.subject
RECEIPTS
dc.subject
REGISTRATION REQUIREMENTS
dc.subject
REGULATOR
dc.subject
REGULATORY APPROACHES
dc.subject
REGULATORY AUTHORITIES
dc.subject
REGULATORY REQUIREMENTS
dc.subject
REGULATORY SYSTEM
dc.subject
REGULATORY TREATMENT
dc.subject
REMITTANCE
dc.subject
REMITTANCES
dc.subject
REPAYMENTS
dc.subject
RETURN
dc.subject
RETURNS
dc.subject
RISK OF LOSS
dc.subject
SAFE INSTRUMENTS
dc.subject
SAVINGS
dc.subject
SETTLEMENT
dc.subject
SETTLEMENT SYSTEM
dc.subject
SUBSIDIARY
dc.subject
SYSTEMIC RISKS
dc.subject
TAX
dc.subject
TELECOMMUNICATIONS
dc.subject
TELEPHONE SERVICE
dc.subject
TERMINALS
dc.subject
TRADITIONAL BANKING
dc.subject
TRANSACTION
dc.subject
TRANSACTION COSTS
dc.subject
TRANSPARENCY
dc.subject
TRANSPORT
dc.subject
UNION
dc.subject
VILLAGES
dc.subject
WITHDRAWAL
dc.subject
WITHDRAWAL FEE
dc.title
Mobile Banking and Financial Inclusion : The Regulatory Lessons
en
okr.crosscuttingsolutionarea
Jobs
okr.date.disclosure
2011-05-01
okr.doctype
Publications & Research :: Policy Research Working Paper
okr.docurl
http://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.globalpractice
Trade and Competitiveness
okr.googlescholar.linkpresent
yes
okr.identifier.doi
10.1596/1813-9450-5664
okr.identifier.externaldocumentum
000158349_20110518143113
okr.identifier.internaldocumentum
14213451
okr.identifier.report
WPS5664
okr.language.supported
en
okr.pdfurl
http://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2011/05/18/000158349_20110518143113/Rendered/PDF/WPS5664.pdf
en
okr.region.administrative
The World Region
okr.region.administrative
The World Region
okr.topic
Technology Industry
okr.topic
Industry
okr.unit
Development Research Group (DECRG)
okr.volume
1 of 1

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