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Field
Intervention (Public)
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Before
We target inactive clients on Qodoo Financial Services platform; inactivity is determined by whether a client uses an account regularly or not. In particular, we focus on clients that have not made any transaction with their wallets for three months before the start of our project. By targeting this group, we are hypothesizing that high transaction fees (i.e. withdrawal fees) could be among the reasons for low account usage among these clients. Hence, to test this hypothesis, we expose a random sample of these clients to three different withdrawal subsidies. We then study how exposure to such subsidies impact clients behavior in terms of account usage
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After
Our trial target inactive clients of a mobile money service provider in Gambia. inactivity is determined by whether a client uses an account regularly or not. Specifically, we target clients that have not made any transaction with their wallets for three months before the start of our project. By targeting this group, we hypothesise that high transaction fees (i.e. withdrawal fees) could be among the reasons for low account usage among these clients. Hence, to test this hypothesis, we expose a random sample of these clients to three different withdrawal subsidies. Each withdrawal subsidy involves the discounting of the current withdrawal fees of the service provider.
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