Banking with Agents: Experimental Evidence from Senegal

Sinja Buri, Robert Cull, Xavier Gine, Sven Harten and Soren Heitmann

Economic Development and Cultural Change, 2024, vol. 72, issue 3, 1357 - 1389

Abstract: This paper uses a randomized controlled trial to compare different banking delivery channels. Individuals living close to banking agents and branches of the same financial institution were encouraged to open a savings account and transact at either an agent or a branch. Compared with individuals sent to a branch, individuals sent to an agent increased their number of transactions at the agent and incurred lower transaction costs there. One year later, 42% of active users still used both channels but made transactions at the agent only half as large as those made at the branch.

Date: 2024
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