Secondary Outcomes (explanation)
Cash out will be measured based on volume and value of cash withdrawals from mobile money agents in the market in time since intervention.
A merchant will be considered to be multi-homing if they accepted digital retail payments using two different products since intervention launch.
A customer will be considered to be multi-homing if they made digital retail payments using two different products since intervention launch.
Usage of other digital financial services will be captured by an index. The index will include usage of mobile money, digital loans, digital savings, and other relevant digital financial services.
Perceptions of digital retail payments will be captured by an index. The index will include overall ratings of digital retail payments, and ratings on specific sub-categories such as cost, convenience, security, privacy, speed, and other relevant sub-categories.
Willingness to accept mobile money will be elicited through the Becker-DeGroot-Mashak mechanism.
Crime will be captured by whether the respondent was robbed since intervention launch.
Taxation will be captured by the amount of transaction fees and tax payments made by the respondent since intervention launch.
Merchant formalization will be captured by an index. The index will include whether the firm has a tax identification number, whether the firm is registered with the government, and other relevant measures of formalization.
Merchant profits will be captured by an estimate of the merchant’s revenue subtracting out their costs since launch of the intervention.
All indices will be constructed in the style of “Multiple Inference and Gender Differences in the Effects of Early Intervention: A Reevaluation of the Abecedarian, Perry Preschool, and Early Training Projects” (Anderson, 2008). If there are substantial amounts of missing values in an index, then item response theory may be used instead.