World Economics - Insight , Analysis and Data

World Economics - Insight , Analysis and Data
Savings for the Poor
Ignacio Mas
World Economics, December 2010

This paper reviews the relevance of formal financial services – in particular, savings – to poor people, the economic factors that have hindered the mass-scale delivery of such services in developing countries, and the technology-based opportunities that exist today to make massive gains in financial inclusion. It also highlights the benefits to government from universal financial access, as well as the key policy enablers that would need to be put in place to allow the necessary innovation and investments to take place.
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