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Field
Last Published
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Before
May 20, 2021 11:10 AM
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After
June 29, 2021 06:17 AM
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Field
Intervention (Public)
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Before
We will test two different modes of providing information, training and incentives on mobile banking to the existing banking clients to assess their knowledge, take-up, and usage of the mobile banking platform. We will also compare different ways to provide information and different monetary incentives in encouraging the adoption of mobile banking services. We plan a cluster randomization design with 96 microfinance groups located in rural communities equally distributed into three control/treatment arms (32 communities under each arm). The details of the interventions are as follows:
1. Control group (C): Clients in this group will not receive any encouragement to use mobile banking. However, they continue to be free to use it.
2. Personal incentive (T1): Clients in this group will receive a one-time small monetary incentive if they carry out a mobile banking transaction (withdrawal or deposit to/from the account) within one month of the intervention.
3. Peer-led training + Peer incentive + Personal incentive (T2): The microfinance group leader will be trained to use mobile banking. The group leader would then be asked to train the rest of her microfinance group members on mobile banking. The group leader (trainer) would also receive an incentive for each member (trainee) of her microfinance group who completed a mobile banking transaction (deposit to a bank account or withdrawal from a bank account). Each member of the microfinance group, would receive an individual monetary incentive, like T1 above, if they carry out a mobile banking transaction (withdrawal or deposit to/from their accounts) within a month of intervention.
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After
We will test three different modes of providing information, training and incentives on mobile banking to the existing banking clients to assess their knowledge, take-up, and usage of the mobile banking platform. We will also compare different ways to provide information and different monetary incentives in encouraging the adoption of mobile banking services. We plan a cluster randomization design with 128 microfinance groups located in rural communities equally distributed into four control/treatment arms (32 communities under each arm). The details of the interventions are as follows:
1. Control group (C): Clients in this group will not receive any encouragement to use mobile banking. However, they continue to be free to use it.
2. Personal incentive (T1): Clients in this group will receive a one-time small monetary incentive if they carry out a mobile banking transaction (withdrawal or deposit to/from the account) within one month of the intervention.
3. Peer-led training + Peer incentive + Personal incentive (T2): The microfinance group leader will be trained to use mobile banking. The group leader would then be asked to train the rest of her microfinance group members on mobile banking. The group leader (trainer) would also receive an incentive for each member (trainee) of her microfinance group who completed a mobile banking transaction (deposit to a bank account or withdrawal from a bank account). Each member of the microfinance group, would receive an individual monetary incentive, like T1 above, if they carry out a mobile banking transaction (withdrawal or deposit to/from their accounts) within a month of intervention.
4. Peer-led training+ consumer protection training + peer incentive + personal incentive (T3): The microfinance group leader will be trained to use mobile banking and also receive a training covering consumer protection and fraud awareness. The group leader would then be asked to train the rest of her microfinance group members on mobile banking and consumer protection. The group leader (trainer) would also receive an incentive for each member (trainee) of her microfinance group who completed a mobile banking transaction (deposit to a bank account or withdrawal from a bank account). Each member of the microfinance group, would receive an individual monetary incentive, like T1 above, if they carry out a mobile banking transaction (withdrawal or deposit to/from their accounts) within a month of intervention.
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Field
Experimental Design (Public)
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Before
The study is a clustered randomised control trial that examines different modes of promoting mobile banking use among women who are microfinance loan clients for a mobile banking service provider in Ghana. As such, 96 microfinance groups will be randomly allocated to a study treatment arm. There will be 32 groups in each treatment arm and approximately 5 women per group. Participants will receive the intervention information appropriate to the arm they are assigned to. Mobile banking admin data from baseline and then subsequent months will be shared with the research team. Participant account activity will be monitored for the month following the intervention. In the treatment arms, the data will be used to determine whether the participant’s activity has met the criteria for an incentive payment to be paid. At endline, those in the treatment conditions who have met the criteria will receive the corresponding incentive payment. At endline, participants will be surveyed in addition to having their admin data analysed.
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After
The study is a clustered randomised control trial that examines different modes of promoting mobile banking use among women who are microfinance loan clients for a mobile banking service provider in Ghana. As such, 128 microfinance groups will be randomly allocated to a study treatment arm. There will be 32 groups in each treatment arm and approximately 5 women per group. Participants will receive the intervention information appropriate to the arm they are assigned to. Mobile banking admin data from baseline and then subsequent months will be shared with the research team. Participant account activity will be monitored for the month following the intervention. In the treatment arms, the data will be used to determine whether the participant’s activity has met the criteria for an incentive payment to be paid. At endline, those in the treatment conditions who have met the criteria will receive the corresponding incentive payment. At endline, participants will be surveyed in addition to having their admin data analysed.
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Field
Planned Number of Clusters
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Before
96 microfinance groups
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After
128 microfinance groups
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Field
Planned Number of Observations
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Before
480 microfinance clients (5 per group)
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After
512 microfinance clients (4 per group)
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