Proposing 'Mobile, Finance, and Information' Toolkit for Financial Inclusion of the Poor in Developing Countries

摘要

Since 2015, the Government of India has initiated and championed the effort for transforming the country with over 400 million unbanked adults into a cashless economy so that a majority of financial transactions can be carried over mobile devices, the most widely used information and communication technology in the country. However, over 200 million adults earning less than $2 a day have no or little mobile, financial, or information literacy. This short paper reports a newly proposed interdisciplinary, six-step toolkit operationalized using a survey questionnaire, focus group prompts, and hands-on training for developing mobile, financial, and information literacy among the poor in developing countries like India. Implications for public libraries, governments, and the poor in developing countries and beyond are discussed at the end.