Fintech and the demand side challenge in financial inclusion
There is a push for digitizing payments across the board in India. This has picked up steam after the demonetization of large currency notes in November 2016. But how ready and willing are low-income Indians (as well as low-income people in other developing countries) to adopt digital payments? This question needs more thought as there is a range of issues around mobile phone penetration, bank account features, acceptance of digital payments across value chains, and the viability of small transactions.Alliance for Financial Inclusion (AFI) (n.d.) ‘Digital financial services’ [online] <www.afi-global.org/policy-areas/digital-financial-services> [accessed 19 February 2018].
Aveni, T. and Roest, J. (2017) China’s Alipay and WeChat Pay: Reaching Rural Users, CGAP Brief, December, Washington, DC: CGAP.
Indian Express (2017) ‘Telecom subscriber base in India grows to 1.18 billion in February: TRAI’, The Indian Express [online] <http://indianexpress.com/article/technology/tech-news-technology/telecom-subscriber-base-in-india-grows-to-1-18-billion-in-feb-trai-4634264/> [accessed 19 February 2018].
Alliance for Financial Inclusion (AFI) (n.d.) ‘Digital financial services’ [online] <www.afi-global.org/policy-areas/digital-financial-services> [accessed 19 February 2018].
Aveni, T. and Roest, J. (2017) China’s Alipay and WeChat Pay: Reaching Rural Users, CGAP Brief, December, Washington, DC: CGAP.
Indian Express (2017) ‘Telecom subscriber base in India grows to 1.18 billion in February: TRAI’, The Indian Express [online] <http://indianexpress.com/article/technology/tech-news-technology/telecom-subscriber-base-in-india-grows-to-1-18-billion-in-feb-trai-4634264/> [accessed 19 February 2018].
Alliance for Financial Inclusion (AFI) (n.d.) ‘Digital financial services’ [online] <www.afi-global.org/policy-areas/digital-financial-services> [accessed 19 February 2018].
Aveni, T. and Roest, J. (2017) China’s Alipay and WeChat Pay: Reaching Rural Users, CGAP Brief, December, Washington, DC: CGAP.
Indian Express (2017) ‘Telecom subscriber base in India grows to 1.18 billion in February: TRAI’, The Indian Express [online] <http://indianexpress.com/article/technology/tech-news-technology/telecom-subscriber-base-in-india-grows-to-1-18-billion-in-feb-trai-4634264/> [accessed 19 February 2018].
Alliance for Financial Inclusion (AFI) (n.d.) ‘Digital financial services’ [online] <www.afi-global.org/policy-areas/digital-financial-services> [accessed 19 February 2018].
Aveni, T. and Roest, J. (2017) China’s Alipay and WeChat Pay: Reaching Rural Users, CGAP Brief, December, Washington, DC: CGAP.
Indian Express (2017) ‘Telecom subscriber base in India grows to 1.18 billion in February: TRAI’, The Indian Express [online] <http://indianexpress.com/article/technology/tech-news-technology/telecom-subscriber-base-in-india-grows-to-1-18-billion-in-feb-trai-4634264/> [accessed 19 February 2018].
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