Banking with Agents: Experimental Evidence from Senegal
通过随机对照试验，研究使用银行代理人对交易行为和成本的影响，发现代理服务降低交易成本但牺牲隐私。
This paper uses a randomized controlled \n trial to study the effects of access to agent banking. \n Individuals were encouraged to open an account and transact \n at a banking agent or a branch of a financial institution. \n Compared with individuals who were sent to the branch, \n individuals sent to an agent increased the number of \n transactions and incurred lower transaction costs with the \n agent. These transactions are, however, only half as large \n as those made at the branch because branch tellers are less \n likely to share information about clients with others. \n Banking with agents thus entails a trade-off between lower \n transaction costs and lack of privacy.