The Provision of Information on Mobile Banking by Local Ambassadors: Experimental Evidence From Peru

M. Agurto, Habiba Djebbari (), B. Silupú, C. Trivelli and J. Torres
Additional contact information
M. Agurto: UDEP - Universidad de Piura
Habiba Djebbari: AMSE - Aix-Marseille Sciences Economiques - EHESS - École des hautes études en sciences sociales - AMU - Aix Marseille Université - ECM - École Centrale de Marseille - CNRS - Centre National de la Recherche Scientifique
B. Silupú: Virginia Tech [Blacksburg]
J. Torres: UPACIFICO - Universidad Del Pacífico – Ecuador

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Abstract: A large proportion of adults in the developing world remain without access to formal banking. We assess the effectiveness of a network‐based information delivery strategy in fostering interest to learn about and subscribe to mobile money services in rural and peri‐urban communities in Peru. We posit that lack of information about mobile money technology is a barrier to financial inclusion, which can be mitigated through social proximity. We designed a randomized controlled trial where workshops were led by individuals personally known to participants (local ambassadors–treatment) or by external agents (control). We find that attendance and BiM subscription rates were twice as high in the local ambassadors' group, especially among low‐trust individuals.

Keywords: Financial inclusion; network-based information experiment; asymmetric information; trust. (search for similar items in EconPapers)
Date: 2025-04-23
Note: View the original document on HAL open archive server: https://hal.science/hal-05072805v1
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Published in Journal of International Development, 2025, ⟨10.1002/jid.4001⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05072805

DOI: 10.1002/jid.4001

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