A FINANCIAL INCLUSION INDEX FOR INDONESIA

Mobile Money for Financial Inclusion

M obile financial services are among the most promising mobile applications in the developing world. Mobile money could become a general platform that transforms entire economies, as it is adopted across commerce, health care, agriculture, and other sectors. To date, at least 110 money mobile systems have been deployed, with more than 40 million users. The most well-known system, M-PESA, starte...

Indonesia : the politics of inclusion

Improving Financial Inclusion: towards a Critical Financial Education Framework

Empirical research suggests that financial inclusion initiatives – such as facilitating access to financial resources or providing microcredit – are alone not enough to lower socioeconomic disparities. In this article, we adopt a critical stance as a guide for our empirical investigation. Our aim is to propose a financial education framework, tailored to low-income micro-entrepreneurs, that emb...

Mobile Remittances: Design for Financial Inclusion

This paper investigates the design requirements for international mobile remittances in the context of users’ money management and control in the household and the family. Through scenarios that draw on remittance literature, the paper suggests five design principles for mobile remittances that could be a US$ 41 billion market while empowering women, varying patterns of money management and con...

A Digital Pathway to Financial Inclusion

Payments are the connective tissue of an economic system. They enable people to buy goods, purchase water and electricity, and send money to friends, family, and business partners. They enable governments to collect taxes and disburse social payments. And they enable suppliers to collect payments from buyers. When these transactions are costly and inconvenient, economic activity is impeded. Wea...