Mobile Money, Financial Misconduct and Information Interventions

Last registered on December 16, 2019
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Pre-Trial

Trial Information

General Information

Title
Mobile Money, Financial Misconduct and Information Interventions
RCT ID
AEARCTR-0003812
Initial registration date
December 12, 2019

Initial registration date is when the trial was registered.

It corresponds to when the registration was submitted to the Registry to be reviewed for publication.

First published
December 16, 2019, 11:07 AM EST

First published corresponds to when the trial was first made public on the Registry after being reviewed.

Locations

Country
Ghana
Region
Rural Eastern Belt

Primary Investigator

Name
Francis Annan
Affiliation
University of California, Berkeley
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Other Primary Investigator(s)

PI Name
Aly Sanoh
PI Affiliation
The World Bank
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Additional Trial Information

Status
On going
Start date
2018-10-01
End date
2020-05-31
Keywords
Finance & Microfinance, Firms & Productivity, Gender
Additional Keywords
JEL code(s)
Secondary IDs
Abstract
We will explore misconduct-reducing interventions that help low-income populations adopt, transact and save on Mobile Money -- a growing and well celebrated example of FinTech. We will address the questions of “How to measure financial misconduct?”, "What is the nature of and mechanisms underlying misconduct?" and “How big is the impact of misconduct-reduction?” on M-Money. Results will have important implications for financial technology adoption and inclusion among low-income environments.
External Link(s)

Registration Citation

Citation
Annan, Francis and Aly Sanoh. 2019. "Mobile Money, Financial Misconduct and Information Interventions." AEA RCT Registry. December 16. https://doi.org/10.1257/rct.3812-1.0
Sponsors & Partners

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Experimental Details

Interventions

Intervention(s)
Intervention Start Date
2019-08-15
Intervention End Date
2020-02-15

Primary Outcomes

Primary Outcomes (end points)
misconduct (incidence), misconduct (severity), adoption outcomes, business outcomes
Primary Outcomes (explanation)

Secondary Outcomes

Secondary Outcomes (end points)
Secondary Outcomes (explanation)

Experimental Design

Experimental Design
design I: randomized matches between market participants and audit studies
design II: randomized assignment of information interventions across villages and local markets
Experimental Design Details
Randomization Method
randomization: using computer softwares and simple coin flips
Randomization Unit
units: market participants (individual) and localities/ villages (clustered)
Was the treatment clustered?
Yes

Experiment Characteristics

Sample size: planned number of clusters
136 localties/ villages
Sample size: planned number of observations
2000 market participants; 300 local markets
Sample size (or number of clusters) by treatment arms
34 localities control, 34 localities price-transparency information, 34 localities monitoring, 35 localities both treatment
Minimum detectable effect size for main outcomes (accounting for sample design and clustering)
Supporting Documents and Materials
IRB

Institutional Review Boards (IRBs)

IRB Name
Georgia State University
IRB Approval Date
2019-11-05
IRB Approval Number
H20260
Analysis Plan

Post-Trial

Post Trial Information

Study Withdrawal

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Intervention

Is the intervention completed?
No
Data Collection Complete
Data Publication

Data Publication

Is public data available?
No

Program Files

Program Files
Reports, Papers & Other Materials

Relevant Paper(s)

Reports & Other Materials