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Auriol, Emmanuelle
and Gonzalez Fanfalone, Alexia
(2024)
Fighting competition from Mobile Network Operators in the banking sector: The case of Kenya.
TSE Working Paper, n. 1573, Toulouse
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Abstract
This paper studies how Mobile Network Operator (MNO) impacts traditional banks’ coverage decision in a model of vertical and horizontal differentiation with asymmetric transportation costs. The competitive pressure triggered by MNOs entry on traditional banking sector leads to prices decrease and broadens financial inclusion as the traditional banking sector expands its network in response to the entry of MNOs. The model’s predictions are checked against data from Kenya, where mobile banking has been most successful. Results from the econometric model for the period 2000-2011, suggest that, roughly, for each 7 new mobile agents in a sub-locality, one new bank branch opened.
| Item Type: | Monograph (Working Paper) |
|---|---|
| Language: | English |
| Date: | September 2024 |
| Place of Publication: | Toulouse |
| Uncontrolled Keywords: | Financial inclusion, Regulation, Mobile banking, Development |
| JEL Classification: | G18 - Government Policy and Regulation L51 - Economics of Regulation L88 - Government Policy L96 - Telecommunications O16 - Economic Development - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance |
| Subjects: | B- ECONOMIE ET FINANCE |
| Divisions: | TSE-R (Toulouse) |
| Institution: | Université Toulouse Capitole |
| Site: | UT1 |
| Date Deposited: | 20 Sep 2024 07:36 |
| Last Modified: | 20 Sep 2024 07:36 |
| OAI Identifier: | oai:tse-fr.eu:129721 |
| URI: | https://publications.ut-capitole.fr/id/eprint/49702 |
