TAILIEUCHUNG - Segmenting the markets for savings among the poor across countries

Search engines were invented to break down web sites’ barriers, letting users query the whole Web rather than multiple sites separately. However, as search engines cannot access to the struc- tured databases within web sites, they can only offer unstructured, text-based search. So while each site (., ) can offer sophisticated structured browsing and searching experi- ence, that experience ends at the boundary of the site, beyond which the structures of the data within that site is lost. In parallel, screenscrapers were invented to extract fragments within web pages (., weather forecasts, stockquotes, and news article summaries) and re-purpose them in personalized ways | Segmenting the markets for savings among the poor across countries Report prepared for the Bill and Melinda Gates Foundation By . Bankable Frontier Associates1 Somerville MA Executive summary Findings We analyze macro-level FinScope datasets from seven African countries and a microlevel household panel from South Africa and find quantitative evidence supporting savings patterns observed elsewhere the poor do save using a variety of formal and informal savings instruments and a substantial percentage save proportionately more than higher income neighbors within the same community. The strong take-up in South Africa of a new category of basic bank accounts demonstrates the strong desire for appropriate formal products among those who have never banked before. Attitudes towards savings differentiate those among the poor who adopted the product as their first bank account ever from those who did not. However the dropout rate at 23 of adopters is high. Merely opening or having a savings account is not the same as using it regularly. Savings may also be measured by its intensity of saving how much of income is saved as well as its duration the period over which it accumulates before being accessed . The portfolio of savings in financial instruments is categorized into four clusters by duration and formality and the flows into each cluster are quantified. Implications for a strategy to scale up savings of the poor The objective must be carefully specified merely counting new savings accounts opened does not capture underlying savings activity and given the already high intensity of savings poor people may be unable to save much more as a proportion of income. However households may choose to rebalance their portfolio of financial assets towards safer and longer duration instruments which match their timing needs. This re-balancing effect should also be measured following new product introduction. In order to test a business case and or justify subsidy the potential .

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