Mobile Money Networks and Subsidized Government Courses in Ecuador

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

However , MILLIMETER adoption happens to be more successful when government authorities provide offers to early on adopters. Using the Ecuadorian MM project as a case study, we tested whether subsidized government programs inspire more users to use LOGISTIK as an alternative to money transactions and how agents behave after a while in this context.

During the project, the Government subsidized MM re-homing through tax-incentives in the form of a refund into a user’s LOGISTIK account. We applied temporal analysis of network representations of MM ventures to track the behaviour of agents in this context as time passes.

The Incentives Network captures every transactions through which the us government gives agents money back for their usage of non-cash payments, such as MM and debit cards. This kind of network offers nodes that represent macro-agents, companies and users as well as the Government and the Central Bank or investment company.

We analyze this network after the setup of OLEPF, and we find that, in the primary spans, a tremendous number of solutions were eliminated as inactive. In the next spans, these specialists regained the previous activity, plus they started to execute small financial transactions.

In fact , the training grew from no transactions to over 40, 500 per 30-day span within the last 10 ranges. This increase is largely related to the introduction of the incentives. These incentives stimulated agents to amass e-money inside their MM accounts and then cash-out the us dollars. This elevated the importance of e-money in the MM bank account, and this worth has been growing over time.

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