移动货币和经济活动:肯尼亚的证据★
Raissa Fabregas1, Tite Yokossi2
1University of Texas at Austin, Austin, USA.
概括
获得移动货币服务显著促进了肯尼亚当地经济活动. 这些积极影响随着时间的推移而增长,特别是在更富裕,城市和连接良好的地区.
科学领域:
- 经济学 经济学 经济学
- 发展研究 发展研究 研究
- 金融技术 金融技术
背景情况:
- 移动货币服务在发展中经济体迅速扩大.
- 了解它们对当地经济活动的影响对于政策和投资至关重要.
- 以前的研究往往缺乏细粒度数据来准确测量这些影响.
研究的目的:
- 估计移动货币接入对当地经济活动的因果关系影响.
- 分析移动货币服务的影响如何随着时间的推移而演变.
- 确定从移动货币采用中受益最多的地区的特点.
主要方法:
- 利用肯尼亚移动代理网络早期扩张的数据.
- 使用夜间光强度作为当地经济活动的高分辨率代理.
- 在不同地区获得移动货币服务的时间差异.
主要成果:
- 据发现,获得移动货币服务可以增加当地经济活动.
- 随着时间的推移,移动货币接入的积极经济效应越来越强烈.
- 最初更富裕,城市化和更好地连接的地区经历了更明显的好处.
结论:
- 移动货币服务作为当地经济发展的催化剂.
- 这些服务可以补充现有网络,促进贸易和投资.
- 调查结果强调了移动货币在促进包容性经济增长方面的重要性.
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