The Cost of Convenience?
By Simone G. Schaner. The Journal of human resources, 2017
163 citations recorded by the source corpus.
Individuals across the world use high-transaction-cost savings devices even when lower-cost technologies are available. High costs may help savers protect resources from the demands of others. I investigate this hypothesis by randomly assigning ATM cards to 1,100 newly opened bank accounts in rural Kenya. These cards reduced withdrawal fees by 50 percent. While the cards increased overall account use, the positive treatment effect is entirely driven by joint and male-owned accounts. I find evidence that these differences are driven by intrahousehold issues: Household bargaining power is a key mediator of the ATM treatment effect.
Subfields: Accounting, Gender Studies, Sociology and Political Science
View Paper: https://www.semanticscholar.org/paper/12f5744f49e3c0dd64a39be83491cf6d413a34cf
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Citations in the corpus
- Factorial Designs, Model Selection, and (Incorrect) Inference in Randomized Experiments (2019, methodology): “B.19 Voting to Tell Others DellaVigna et al. (2016) analyze the results from a field experiment designed to estimate a model of voting “because others will ask”.”
- The role of financial inclusion in driving women’s economic empowerment (2019, background): “For example, a study in Kenya found that offering free ATM cards, which increased account accessibility and reduced withdrawal fees, caused individuals with a stronger position in the household (majority men) to significantly increase usage of the accounts while individuals with low household bargai”