Financial services to the unbanked : the case of the Mzansi intervention in South Africa

Philip Kostov; Thankom Arun; Samuel Annim

The Mzansi intervention is a major initiative designed to provide banking services to the unbanked South African population. This study investigates the underlying variables that define the choice of a Mzansi account from a consumer perspective. Unlike previous studies, we do not assume that demand for financial services is a given but instead that it is underlain by perceptions and attitudes. Financial attitudes and perceptions are found to exert significant effects on financial choices. In particular, aspirations and forward-looking values are instrumental in facilitating access to finance.

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Year of publication:	2014
Authors:	Kostov, Philip ; Arun, Thankom ; Annim, Samuel Kobina
Subject:	access to finance \| variable selection \| adaptive LASSO \| Südafrika \| South Africa \| Finanzdienstleistung \| Financial services \| Mikrofinanzierung \| Microfinance \| Finanzsektor \| Financial sector

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