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ArtikelSocial service delivery and access to financial innovation: the impact of oportunidades’ electronic payment system in Mexico  
Oleh: Masino, Serena
Jenis: Article from Proceeding
Dalam koleksi: SIBR-Thammasat 2014 Conference on Interdisciplinary Business & Economics Research June 5th- 7th, 2014 di Emerald Hotel Bangkok, page 1-5.
Topik: electronic payments; financial innovation; social service delivery; conditional cash transfers; matching; quasi-experimental design
Fulltext: b14-045.pdf (89.37KB)
Isi artikelThis paper follows a quasi-experimental research design to assess the impact of the introduction of an electronic payment system in the context of Mexico’s Oportunidades cash transfer program. We exploit the variation in the phase-in of the payment system to carry out a Fully Interacted Linear Model and Mahalanobis Distance Metric and Bias-Adjusted Nearest Neighbour Matching Estimators. This was possible by the availability of a rich panel household survey. The switch from cash to electronic payments delivered via bank accounts is found to have implications in terms of reallocation of saving choices, transaction costs, and coping strategies against risks. More specifically, the study shows that, following the intervention, participation in informal saving groups was reduced, the frequency of remittance reception increased as a result of lower transaction costs, and, when hit by idiosyncratic shocks, beneficiaries of bank accounts were more likely to cope with these events by using savings rather than contracting loans or reducing consumption. The study also reveals impact heterogeneity between rural and urban household beneficiaries, with important implications for policy scalability and replicability of similar innovations in other developing country contexts.
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