reduction in the transaction costs of remittances. We follow the introduction of mobile money for the first time in rural …, where we observe lower agricultural activity and investment. At the same time, remittances received and welfare of rural …

access to formal savings. This is the first study to use a randomized controlled trial to evaluate the impact of using mobile … friends. We work with two cross-randomized interventions. The first treatment gave access to a remunerated mobile savings … primary farmer counterparts. We find that the remunerated mobile savings account raised mobile savings, but only while …

peer-to-peer transfers. Data from a 2018 survey of more than 4,500 households show that the agent rollout led to cost-savings … finds no effect on savings, agricultural outcomes, or poverty. Overall, the findings add new evidence that mobile money can …

This paper analyzes the potential for fintech to facilitate cheaper and more efficient remittances, and to enhance … financial inclusion in Central America. Digital remittances remain nascent in the region, primarily reflecting behavioral … alliances between traditional and fintech operators, digital remittances can further reduce transaction costs and reach those …