题  目：Informational Intervention in Mobile Banking Adoption: Evidences from a Randomized Field Experiment

报告人：Ling Li   Postdoctoral Fellow      University of Cambridge

主持人： 金樟峰  博士后  浙江大学经济学院

时  间：2019年4月12日   星期五   12:00-13:30

地  点：浙江大学玉泉校区经济学院418室  

Abstract:

As an important part of the development of financial inclusion, mobile banking offers an alternative interface for engaging with bank accounts, which allows customers to access various payment services, such as account bank enquiry, remittance, bill payment and financial management. This functionality provides bank account users in less developed areas great convenience by freeing them from temporal and spatial constraints and enabling them to use bank services at anytime from anywhere. Given these substantial benefits, this paper analyses a randomized field experiment to shed light on the role of information in customers’ decisions to adopt mobile banking via smart phones. By cooperating with a Rural Commercial Bank in China, we randomly introduced specific information regarding mobile bank to customers and examined whether it is possible to affect their behaviours using such a relatively inexpensive informational intervention. We find substantial effects of our relatively mild intervention: the participants that received specific information about mobile bank are more likely to actively use mobile bank to manage their financial services than the participants who received none. We also find that, in comparison to non-users or inactive users, active mobile bank users consume less, which requires fewer remittances and deposits to make ends meet.

Introduction  

CRPE秘书处
2019-4-8