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Title: A mobile banking model in the cloud for financial inclusion in India
Authors: Ghosh, Amitava
De, Sourya Joyee
Mahanti, Ambuj
Keywords: Branchless banking
Financial inclusion
Mobile banking
Issue Date: 2014
Publisher: SCOPUS
SIGDOC 2014 - Proceedings of the 32nd Annual International Conference on the Design of Communication
Association for Computing Machinery, Inc
Abstract: This paper discusses the role of Financial Inclusion in a country like India and mobile banking as a means to attain it. The paper discusses the increasing penetration of mobile phones and the key considerations of use of mobile banking. The paper proposes an Interactive Voice Response (IVR) based mobile banking model in the cloud suitable for a developing country like India. The World Development Indicators show increasing penetration of mobile phones in both the developed and the developing world. This model can perform the basic formal banking operations with less dependence on external agents or business correspondents. The model assumes the availability of Internet facility in the mobile phones. IVR based models in the cloud are very rare. Most of the existing models use mobile Short Messaging Service (SMS). © Copyright 2014 ACM.
Description: Ghosh, Amitava, IIM Calcutta, Kolkata, India; De, Sourya Joyee, IIM Calcutta, Kolkata, India; Mahanti, Ambuj, IIM Calcutta, Kolkata, India
ISSN/ISBN - 978-145033166-1
DOI - 10.1145/2666216.2666218
Appears in Collections:Management Information Systems

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