It's time to address the microsavings challenge, scalably

Bob Christen, Ignacio Mas

Research output: Contribution to journalArticlepeer-review

11 Scopus citations


The option to store value and to transact from a safe savings account is the foundation of financial inclusion. There is a need for developing banking models that allow poor people to save daily, as they earn money, right from their neighbourhoods and villages. This requires leveraging existing non-bank retail outlets to serve as cash transaction points acting on behalf of licensed financial institutions, and mobile operators acting as channel managers and transaction aggregators. Such schemes need to be commercially viable for all players involved, without having to rely on credit as a driver of profitability.

Original languageEnglish (US)
Pages (from-to)274-285
Number of pages12
JournalEnterprise Development and Microfinance
Issue number4
StatePublished - Dec 2009


  • Branchless banking
  • Correspondent banking
  • Microfinance
  • Mobile operators
  • Regulation
  • Retailers
  • Savings

ASJC Scopus subject areas

  • Geography, Planning and Development
  • Development


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