financial inclusion and the role of the post office.pdf

WPS6630 d e z i r o h t u A e r Policy Research Working Paper 6630 u s o l c s i D c i l b u P d e z i r o h t u A e r u Financial Inclusion s o l c s i and the Role of the Post Office D c i l b u P Jose Anson Alexandre Berthaud d e Leora Klapper z i r o Dorothe Singer h t u A e r u s o l c s i D c i l b u P d e z i r o h t u A e r u s o l c s i D c i l b The World Bank u P Development Research Group Finance and Private Sector Development Team October 2013 Policy Research Working Paper 6630 Abstract Given their widespread presence in rural and poor areas, financially vulnerable groups, such as the poor, less post offices can play a leading role in advancing financial educated, and those out of the labor force. The paper inclusion. Yet little is known about the type of clients also uses data from the Universal Postal Union to explore that post offices reach through their financial service the degree to which different postal business models and offerings as compared with clients of traditional financial the size of the postal network help explain differences institutions (such as commercial banks). This paper in account ownership patterns. The results suggest that documents and analyzes account ownership patterns post off