The Economics of Branchless Banking

Categories : Ecosystem & Interoperability, Technology and Operational Enablers


Author: Ignacio Mas

This paper by Ignacio Mas provides a formal analysis of the economic drivers for branchless banking solutions. It exposes the design trade-offs that occur at the each of the key layers of service: the retail network (transaction acquisition), payments network (transaction aggregation and routing) and account/service platforms. It also reviews the volume drivers of various existing deployments.