Learning to Navigate a New Financial Technology
通过田野实验，研究无银行账户的工厂工人如何学习使用数字工资账户，发现接触该账户能加速学习、增加使用并避免风险，且效果集中在移动货币账户。
ABSTRACT We present results from a field experiment that introduced digital payroll accounts to unbanked factory workers to examine how inexperienced consumers learn to use a new financial technology. We find that exposure to payroll accounts leads to increased account use, accelerated learning, and avoidance of common consumer protection risks. Those receiving electronic wage payments gradually build trust in the technology, learn to use accounts without assistance, and avoid illicit fees. Using experimental variation in assignment to bank versus mobile money accounts, we show that these impacts are concentrated in mobile money accounts, the newer, more complex, and less trusted financial technology.