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Field
Intervention (Public)
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Before
The sample of the study consists of 202 low income households from Khulna City in Bangladesh. All the 202 households have at least a smartphone. The study applies convenient sampling to select 202 household heads as units of analysis. 202 household heads agreed to participate in the experiment. 100 household heads were assigned randomly to the encouragement group, while 101 household heads were assigned randomly to the non-encouragement group. The encouraged household heads were offered assistance to install E-Wallet apps. To make the treatment uniform, this study offered assistance to install B-Kash E-Wallet app which is the most used mobile banking app in Bangladesh. On the other hand, the non-encouraged household heads were not offered assistance to install any E-Wallet app. The assistance is considered as an encouragement design in the present study. The baseline survey was conducted in April 2024. The assistance to install a mobile banking app was given in May 2024. The end-line survey will be conducted in August 2025, 15 months after the assistance to install the E-Wallet App.
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After
The sample of the study consists of 202 low to middle income individuals from Khulna City in Bangladesh. All the 202 individuals have at least a smartphone. The study will apply convenient sampling. Initially 202 online business women was selected based a baseline survey. 101 individuals were assigned randomly to the encouragement group; while 101 individuals were assigned randomly to the non-encouragement group. The encouraged individuals were offered assistance to install e-wallet app. To make the treatment uniform, this study will offer assistance to install B-Kash mobile banking e-wallet app which is the most used mobile banking app in Bangladesh. On the other hand, the non-encouraged individuals were not offered assistance to install any e-wallet app. The assistance to install an e-wallet app should increase usage of e-wallet app. Thus the assistance is considered as an encouragement design in the present study. The baseline survey was conducted in the end of April 2024. The assistance to install a mobile banking app was given in May 2025. The end line survey was conducted in August 2025, 15 months after the assistance to install the e-wallet app.
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