Types of Research
- (-) Remove South Asia Region and Selected Countries filter South Asia Region and Selected Countries
- (-) Remove Environment & Climate Change filter Environment & Climate Change
- (-) Remove Information & Mobile Technology filter Information & Mobile Technology
- (-) Remove 2017 filter 2017
- (-) Remove Data Analysis filter Data Analysis
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- (-) Remove Literature Review filter Literature Review
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Many low- and middle-income countries remain challenged by a financial infrastructure gap, evidenced by very low numbers of bank branches and automated teller machines (ATMs) (e.g., 2.9 branches per 100,000 people in Ethiopia versus 13.5 in India and 32.9 in the United States (U.S.) and 0.5 ATMs per 100,000 people in Ethiopia versus 19.7 in India and 173 in the U.S.) (The World Bank 2015a; 2015b). Furthermore, only an estimated 62 percent of adults globally have a banking account through a formal financial institution, leaving over 2 billion adults unbanked (Demirgüç–Kunt et al., 2015). While conventional banks have struggled to extend their networks into low-income and rural communities, digital financial services (DFS) have the potential to extend financial opportunities to these groups (Radcliffe & Voorhies, 2012). In order to utilize DFS however, users must convert physical cash to electronic money which requires access to cash-in, cash-out (CICO) networks—physical access points including bank branches but also including “branchless banking" access points such as ATMs, point-of-sale (POS) terminals, agents, and cash merchants. As mobile money and branchless banking expand, countries are developing new regulations to govern their operations (Lyman, Ivatury, & Staschen, 2006; Lyman, Pickens, & Porteous, 2008; Ivatury & Mas, 2008), including regulations targeting aspects of the different CICO interfaces.
EPAR's work on CICO networks consists of five components. First, we summarize types of recent mobile money and branchless banking regulations related to CICO networks and review available evidence on the impacts these regulations may have on markets and consumers. In addition to this technical report we developed a short addendum (EPAR 355a) which includes a description of findings on patterns around CICO regulations over time. Another addendum (EPAR 355b) summarizes trends in exclusivity regulations including overall trends, country-specific approaches to exclusivity, and a table showing how available data on DFS adoption from FII and GSMA might relate to changes in exclusivity policies over time. A third addendum (EPAR 355c) explores trends in CICO network expansion with a focus on policies seeking to improve access among more remote or under-served populations. Lastly, we developed a database of CICO regulations, including a regulatory decision options table which outlines the key decisions that countries can make to regulate CICOs and a timeline of when specific regulations related to CICOs were introduced in eight focus countries, Bangladesh, India, Indonesia, Kenya, Nigeria, Pakistan, Tanzania, and Uganda.
In this report we analyze three waves nationally-representative household survey data from Kenya, Uganda, Tanzania, Nigeria, Pakistan, Bangladesh, India, and Indonesia to explore sociodemographic and economic factors associated with mobile money adoption, awareness, and use across countries and over time. Our findings indicate that to realize the potential of digital financial services to reach currently unbanked populations and increase financial inclusion, particular attention needs to be paid to barriers faced by women in accessing mobile money. While policies and interventions to promote education, employment, phone ownership, and having a bank account may broadly help to increase mobile money adoption and use, potentially bringing in currently unbanked populations, specific policies targeting women may be needed to close current gender gaps.
This literature review examines the environmental impacts of water buffalo in pastoral and mixed farming systems in Sub-Saharan Africa, South Asia, and South America). The environmental impacts of water buffalo are less widely studied than those of the other livestock species included in this series; typically, the environmental impacts of water buffalo are incorporated into discussions of cattle without more detailed impacts being broken down by bovine type. In Asia and India, where the majority of buffalo are raised, buffalo are typically kept in small herds of only a few animals, which may minimize the local impacts of their grazing on vegetation, soil erosion and water pollution. Some aspects of buffalo feeding and life cycle patterns, as observed in the Amazon, may cause their greenhouse gas emissions to differ from those of cattle: buffalo can fatten on a wider range of grasses, reach market size in a shorter time, transition better from dry to wet seasons, and are more resistant to bovine diseases. While buffalo grazing and trampling can lead to land degradation, buffalo can contribute to nutrient and resource cycling in farming systems because their manure is considered good fertilizer and they can remove and utilize biomass grown on agricultural plots. Mitigation strategies vary by category of environmental impact, but largely suggest improved productivity to reduce land conversion, modified management systems (e.g., biodiversity, water use and consumption, farm and pastures, and waste), and the reduction of livestock numbers altogether.
This literature review examines the environmental impacts of cattle in pastoral and mixed farming systems in Sub-Saharan Africa and South Asia. Cattle are frequently cited as having the most severe overall environmental impacts among livestock species due to: methane and nitrous oxide released from digestion and manure; land use and conversion; desertification; inefficient ratio of weight of feed and water consumed to weight of meat and dairy produced; conflicts between livestock herders and wildlife; the large volume of wastewater produced in meat and hide processing; and overgrazing of riparian areas. However, cattle have also been found to provide several environmental benefits such as keeping wildlife corridors open, preventing the spread of noxious weeds, and promoting the growth of local vegetative species. Mitigation strategies vary by category of environmental impact, but largely suggest improved productivity to reduce land conversion, modified management systems (e.g., biodiversity, water use and consumption, farm and pastures, grain and other feed, and waste), and the reduction of livestock numbers altogether.
This literature review examines the environmental impacts of goats in pastoral and mixed farming systems in Sub-Saharan Africa and South Asia. We find that the most notable environmental implications of goats stem from their ability to graze on a wide variety of biomass sources in frequently marginal environments; while this intensive grazing stimulates biodiversity loss and may be more severe than grazing by other livestock species, goats are not a major driver of forest clearing due to their low economic value. Environmental benefits of goat production include keeping wildlife corridors open, preventing the spread of noxious weeds, and promoting the growth of local vegetative species through moderate grazing. Goats are also more water-efficient than large ruminants such as cattle. Mitigation strategies vary by category of environmental impact, but largely suggest improved productivity to reduce land conversion, modified management systems (e.g., biodiversity, water use and consumption, grazing intensity and frequency, and waste), and the reduction of livestock numbers altogether.
This literature review examines the environmental impacts of chickens in pastoral and mixed farming systems in Sub-Saharan Africa and South Asia. Compared to ruminant species (cattle, water buffalo, and goats), chickens produce lower carbon dioxide, methane, and nitrous oxide emissions, are a less significant driver of human expansion into natural habitat or of overgrazing, have lower impacts on the water cycle, and cause less destruction of natural habitats. Poultry’s major impacts on land degradation result from the production of their grain-intensive feed. Chicken production also poses a threat to avian biodiversity, as chickens are susceptible to viruses and act as vectors of disease transmission to avian wildlife. Chicken manure is widely viewed as a valuable fertilizer in developing countries, although transportation costs limit manure sales in local markets and the high nitrogen-phosphorous ratio can impact certain soils and water. Mitigation strategies vary by category of environmental impact, but largely suggest modified management systems (e.g., biodiversity, health, livestock feed efficiency, and waste).