Human development thresholds for inclusive mobile banking in developing cou...

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英文文献：Human development thresholds for inclusive mobile banking in developing countries-发展中国家包容性移动银行的人力发展门槛
英文文献作者：Simplice A. Asongu,Nicholas M. Odhiambo
英文文献摘要：
This study assesses human development thresholds at which mobile banking mitigates poverty and inequality in 93 developing countries for the year 2011. Mobile banking entails: ???mobile used to pay bills??? and ???mobile used to receive/send money???, while the modifying policy indicator is the human development index (HDI). The empirical evidence is based on interactive quantile regressions. A summary of the findings shows that with increasing human development: (i) ???mobiles used to pay bills??? contribute to reducing inequality in countries at the bottom and top ends of the inequality distribution, while (ii) ???mobiles used to receive/send money??? have an appealing role in promoting inclusive development in all poverty distributions, with the exception of the top-end or 90th decile. The modifying thresholds of the HDI vary from 0.542 to 0.632 and 0.333 to 0.705 in inequality and poverty specifications, respectively. The relevance of the findings is discussed in light of the current transition from Millennium Development Goals to Sustainable Development Goals.

这项研究评估了93个发展中国家2011年通过移动银行减轻贫困和不平等的人类发展门槛。移动银行需要:??移动用于支付billsa??和??移动用于接收/发送moneya??,修改政策指标是人类发展指数(HDI)。经验证据是基于交互分位数回归。总结研究结果表明,随着人类发展:(i)??手机用于支付billsa??有助于减少不平等的国家在底部和顶部的不平等分配,而(2)??手机用来接收/发送moneya??有一个吸引人的角色在促进包容性发展贫困分布,除了高端或90等分。HDI的修正阈值在不平等和贫困规格方面分别为0.542 - 0.632和0.333 - 0.705。根据目前从千年发展目标向可持续发展目标的过渡，讨论了这些结论的相关性。

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