Articles - Suriet al (2012)
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Infrastructure for the mobile phone was already there since everyone has a phone. Economically not feasible because not many people have a car.
Sending money home could involve a long, costly, and potentially dangerous bus trip (due to both crashes and banditry), as well as foregone wages
When households experience a negative illness shock, those that use mobile money significantly increase their overall consumption expenditures by 11.8%, whereas nonusers reduce theirs by about 3%
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Finally, after an illness shock, nonusers
I.e.,the further away a household isfrom an agent,
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