Please use this identifier to cite or link to this item: https://doi.org/10.1257/app.20190067
Title: Poverty and Migration in the Digital Age: Experimental Evidence on Mobile Banking in Bangladesh
Authors: Jean N. Lee
Jonathan Morduch
SARAVANA RAVINDRAN 
Abu Shonchoy
Hassan Zaman
Issue Date: 1-Jan-2021
Publisher: American Economic Association
Citation: Jean N. Lee, Jonathan Morduch, SARAVANA RAVINDRAN, Abu Shonchoy, Hassan Zaman (2021-01-01). Poverty and Migration in the Digital Age: Experimental Evidence on Mobile Banking in Bangladesh. American Economic Journal: Applied Economics 13 (1) : 38-71. ScholarBank@NUS Repository. https://doi.org/10.1257/app.20190067
Abstract: Rapid urbanization is reshaping economies and intensifying spatial inequalities. In Bangladesh, we experimentally introduced mobile banking to very poor rural households and family members who had migrated to the city, testing whether mobile technology can reduce inequality by modernizing traditional ways to transfer money. One year later, for active mobile banking users, urban-to-rural remittances increased by 26 percent of the baseline mean. Rural consumption increased by 7.5 percent, and extreme poverty fell. Rural households borrowed less, saved more, sent additional migrants, and consumed more in the lean season. Urban migrants experienced less poverty and saved more but bore costs, reporting worse health.
Source Title: American Economic Journal: Applied Economics
URI: https://scholarbank.nus.edu.sg/handle/10635/186070
ISSN: 19457782
19457790
DOI: 10.1257/app.20190067
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