Good related talk in Econ!

---------- Forwarded message ---------
From: Rachel M Heath <rmhe...@uw.edu>
Date: Wed, Feb 23, 2022 at 9:46 AM
Subject: [jsde] Fwd: [Csssfac] [CSSS-seminar] TODAY - CSSS Seminar: Emma
Riley, UW/Economics, Wednesday, Feb 23 at 12:30 pm via Hybrid
To: <j...@uw.edu>, <econfac...@uw.edu>, <econg...@uw.edu>


Dear Colleagues,
See below for details of Emma Riley's talk in CSSS today, which is likely
to be of interest to many of you!
best wishes,
Rachel

---------- Forwarded message ---------
From: Center for Statistics & the Social Sciences <c...@uw.edu>
Date: Wed, Feb 23, 2022 at 8:38 AM
Subject: [Csssfac] [CSSS-seminar] TODAY - CSSS Seminar: Emma Riley,
UW/Economics, Wednesday, Feb 23 at 12:30 pm via Hybrid
To: csss-semi...@uw.edu <csss-semi...@uw.edu>


Please join us for our next speaker in the Center for Statistics and the
Social Sciences Seminar Series. TODAY Wednesday, February 23) at 12:30 pm, Emma
Riley <https://emmaalriley.wordpress.com/>, UW Professor of Economics, will
give a seminar titled, “Leaders’ Role in Technology Adoption: Evidence from
Mobile Banking in Ghana.” This seminar will be offered as a Hybrid session.
Below please find the abstract and information about joining in-person or
on Zoom.




Abstract

Mobile banking services have the potential to transform access to banking,
by allowing individuals to access far away bank accounts from their mobile
phones. However, adoption of these services frequently remains low,
especially amongst rural populations, who have the most to gain from them
but lack the knowledge or experience to use these services. In this study,
we examine how best to inform and encourage use of mobile banking services,
comparing individual encouragement to encouragement of adoption by a peer
leader. We do this using an RCT with 400 female microfinance clients where
we provide combinations of training on mobile banking with small incentives
to encourage adoption of mobile banking services for the individual or for
the group leader. Using both administrative data and a self-reported
endline survey two months after the interventions, we find that individual
incentives increase use of mobile banking services by 16 percentage points,
double the control mean of 15% using mobile banking services. However,
incentives for the group leader to encourage others in the microfinance
group to use mobile banking services result in significantly higher use of
36 percentage points, along with increases in the value and number of
mobile banking transactions. We collect detailed data on mechanisms, and
find that incentives for the group leader result in large increases in
knowledge about mobile banking, frequency of knowledge sharing with peers,
and confidence in how to safely conduct digital transactions. Heterogeneous
treatment effects reveal that women in microfinance groups where the group
leader had already used mobile banking services see significantly larger
treatment effects. These findings highlight the importance of thinking
about influential members of a social group in encouraging technology
adoption.



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-- 
Rachel Heath
Associate Professor of Economics
Milliman Distinguished Scholar
University of Washington
rmhe...@uw.edu
<http://faculty.washington.edu/rmheath/>
http://faculty.washington.edu/rmheath/
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