• Corpus ID: 16750651

Effects of Digitization on Financial Behaviors : Experimental Evidence from the Philippines

  title={Effects of Digitization on Financial Behaviors : Experimental Evidence from the Philippines},
  author={Tomoko Harigaya},
Mobile technology has the potential to increase the efficiency and the usage of financial services for the poor. Many of these services, however, are traditionally delivered in a group setting. Digitization may then disrupt the existing social architecture, leaving its overall effect uncertain. I examine how the introduction of mobile banking in group microfinance affects savings behavior of existing clients using a randomized experiment in the Philippines. In areas converted to mobile banking… 

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