Financial Services to the Unbanked: The Case of the Mzansi Intervention in South Africa
Financial Services to the Unbanked: The Case of the Mzansi Intervention in South Africa
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DOI：
10.5709/ce.1897-9254.140
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发表时间：
2014-06
期刊：
影响因子：
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通讯作者：
Philip Kostov;T. Arun;S. Annim
中科院分区：
文献类型：
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作者：
Philip Kostov;T. Arun;S. Annim
Mzansi干预措施是一项重大举措，旨在向没有银行账户的南非人口提供银行服务。本研究调查的基本变量，从消费者的角度来定义一个Mzansi帐户的选择。与以前的研究不同，我们不认为金融服务的需求是给定的，而是认为它是由观念和态度所支撑的。金融态度和金融观念对金融选择有显著影响。特别是，愿望和前瞻性价值观有助于促进获得资金。
The Mzansi intervention is a major initiative designed to provide banking services to the unbanked South African population. This study investigates the underlying variables that define the choice of a Mzansi account from a consumer perspective. Unlike previous studies, we do not assume that demand for financial services is a given but instead that it is underlain by perceptions and attitudes. Financial attitudes and perceptions are found to exert significant effects on financial choices. In particular, aspirations and forward-looking values are instrumental in facilitating access to finance.