What drives activity of banking agents? Evidence from Rural India

Sanal Gupta () and Puran Singh

World Development Perspectives, 2023, vol. 31, issue C

Abstract: This article investigates previously unexplored predictors of banking agents’ activity using a primary dataset of agents operational in a rural setting in India. We measure banking agents’ activity using their monthly transaction count and regress it on seven predictor categories. We provide evidence of the role of operational practices, agents’ commitment, resources, support, and market characteristics, in agents’ banking activity. We also identify specific factors that drive superior performance by the agents. The findings inform policy-making groups and implementing agencies of agent banking on agent selection criteria, best practices, and supervision mechanisms to ensure the agent banking model’s effectiveness.

Keywords: Agent banking; Business correspondent model; Rural banking; Financial inclusion (search for similar items in EconPapers)
JEL-codes: G21 G28 G29 G41 (search for similar items in EconPapers)
Date: 2023
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Persistent link: https://EconPapers.repec.org/RePEc:eee:wodepe:v:31:y:2023:i:c:s2452292923000383

DOI: 10.1016/j.wdp.2023.100522

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