Pascaline Dupas|Dean Karlan|Jonathan Robinson|Diego Ubfal
Banking the Unbanked? Evidence from Three Countries
Stanford University|Yale University|University of California, Santa Cruz|Bocconi University
experimentally test impact expanding access basic bank accounts uganda malawi chile two years 17 10 3 percent treatment individuals made five deposits respectively average monthly deposits treatment accounts sizable among users corresponding seventyninth ninetyfirst ninetysixth percentiles baseline savings survey data show discernible intentiontotreat effects savings downstream outcomes though cannot reject large effect sizes active users results suggest policies merely focused expanding access basic accounts unlikely improve welfare noticeably average jel d14 g21 o12 o16