Over the last decade, Brazil has pioneered an innovative model of branchless banking, known as correspondent banking, involving distribution partnership between banks, several kinds of retailers and a variety of other ...

Finding ways to downscale microfinance is one of the current challenges facing commercial banks, especially in developing countries. As banks have a poor knowledge of microfinance, operating in this market will require ...

In emerging economies, various public programs have been created to stimulate local firms to adopt innovations, with the ultimate goal of increasing rates of economic development. This paper provides a preliminary attempt ...

Although many studies have appeared in recent years focusing on the growth of so-called banking correspondents (BCs) in Brazil and their role as a banking channel for the poor, there is an important gap in this literature, ...

This article aims to analyze the elements determining the action of different institutional models of productive microcredit. We used a multilevel model to investigate the relationship between interests and negotiation ...

Despite its huge potential, the use of mobile technology for carrying out payment transactions and replicating monetary features, has only taken off in a limited number of countries. The fact that mobile payment services ...

When user needs do not align with system designers' visions, new technology implementation becomes a complex process as users appropriate the new technology to meet their needs. Prior studies recognize this complexity, but ...