NDLI: Evolution of Payments Bank and Impact From M-PESA: A Case of Mobile Banking Services in India

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Evolution of Payments Bank and Impact From M-PESA: A Case of Mobile Banking Services in India

Content Provider	ACM Digital Library
Author	Singh, Gurinder Vyas, Gourav Gaur, Loveleen
Abstract	A large proportion of the Indian population is excluded from basic banking services. Just one in two Indians has access to a savings bank account and just one in seven Indians has access to bank credit (Business Standard, June 28 2013). There are merely 684 million savings bank accounts in the country with a population of 1.2 billion. Branch per 100,000 adult ratio in India stands at 747 compared to 1,065 for Brazil and 2,063 for Malaysia (World Bank Financial Access Report 2010). As more people, especially the poor, gain access to financial services, they will be able to save better and get access to funding in a more structured manner. This will reduce income inequality, help the poor up the ladder, and contribute to economic development. There is a need for transactions and savings accounts for the under-served in the population. Mobile banking has been evolved in last couple of years with the help of Mobile penetration, which has shown phenomenal growth in rural areas of India. The rural subscription increased from 398.68 million at the end of December 2014 to 404.16 million at the end of January 2015, said in a statement by the Telecom Regulatory Authority of India. Banks in India are already investing in mobile technology and security from last couple of years. They are adding value in services such as developing smartphone apps, mobile wallets and educating consumers about the benefits of using the mobile banking resulting in adoption of mobile banking faster among consumers as compared to internet banking. The objective of this study is: 1. To understand the scope of mobile banking to reach unbanked population in India. 2. To analyze the learnings of M-PESA and Payments Bank Opportunity. 3. To evaluate the upcoming challenges for the payments bank success in India.
Starting Page	1
Ending Page	4
Page Count	4
File Format	PDF
ISBN	9781450339629
DOI	10.1145/2905055.2905097
Language	English
Publisher	Association for Computing Machinery (ACM)
Publisher Date	2016-03-04
Publisher Place	New York
Access Restriction	Subscribed
Subject Keyword	M-pesa Ppi model Traditional banking Mobile banking Banking services Rural population Modern banking Payments bank
Content Type	Text
Resource Type	Article

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