Mobile Payment and Informal Business: Evidence from China's Household Panel Data
This paper uses household panel data to explore the impact of mobile payments on China's household business activity. Using a difference‐in‐difference fixed effect specification, I find that mobile payment users are more likely to operate small‐scale and self‐employed informal businesses. The i...
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| Published in: | China & world economy Vol. 28; no. 3; pp. 90 - 115 |
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| Main Author: | |
| Format: | Journal Article |
| Language: | English |
| Published: |
Beijing
中国社会科学院世界经济与政治研究所
01.05.2020
Wiley Subscription Services, Inc |
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| ISSN: | 1671-2234, 1749-124X |
| Online Access: | Get full text |
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| Abstract | This paper uses household panel data to explore the impact of mobile payments on China's household business activity. Using a difference‐in‐difference fixed effect specification, I find that mobile payment users are more likely to operate small‐scale and self‐employed informal businesses. The impact of using mobile payment primarily derives from the transition of agricultural families to business owners and the development of informal businesses. The paper illustrates an associated increase in employment and income for family members, with more pronounced effects on low‐income and rural households. It also provides prima facie evidence of the increase in fund transfers, which is important for risk sharing that informal businesses may encounter. |
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| AbstractList | This paper uses household panel data to explore the impact of mobile payments on China's household business activity. Using a difference‐in‐difference fixed effect specification, I find that mobile payment users are more likely to operate small‐scale and self‐employed informal businesses. The impact of using mobile payment primarily derives from the transition of agricultural families to business owners and the development of informal businesses. The paper illustrates an associated increase in employment and income for family members, with more pronounced effects on low‐income and rural households. It also provides prima facie evidence of the increase in fund transfers, which is important for risk sharing that informal businesses may encounter. This paper uses household panel data to explore the impact of mobile payments on China's household business activity.Using a difference-in-difference fixed effect specification,Ifind that mobile payment users are more likely to operate small-scale and self-employed informal businesses.The impact of"using mobile payment primarily derives from the transition of agricultural families to business owners and the development of informal businesses.The paper illustrates an associated increase in employment and income,for family members,with more pronounced effects on low-income and rural households.It also provides prima facie evidence of the increase in fund transfers,which is important for risk sharing that informnal businesses may encounter. |
| Author | Wang, Xue |
| Author_xml | – sequence: 1 givenname: Xue surname: Wang fullname: Wang, Xue email: xue.wang@pku.edu.cn organization: Peking University |
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| Keywords | financial inclusion mobile payment entrepreneurial activity small and micro-business |
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| Notes | This research was supported by the National Social Science Foundation of China (No. 18ZDA091). The author is very grateful to Zhichao Yin, Honghui Zhu, Xun Wang, Yang Ji and Yiping Huang for their helpful advice and comments. ObjectType-Article-1 SourceType-Scholarly Journals-1 ObjectType-Feature-2 content type line 14 |
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| Snippet | This paper uses household panel data to explore the impact of mobile payments on China's household business activity. Using a difference‐in‐difference fixed... This paper uses household panel data to explore the impact of mobile payments on China's household business activity.Using a difference-in-difference fixed... |
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| SubjectTerms | Agribusiness Agricultural development Business Companies Employment entrepreneurial activity Families & family life financial inclusion Households Housework Longitudinal studies Low income groups Mobile commerce mobile payment Owners Panel data Payments Relatives small and micro‐business Specification |
| Title | Mobile Payment and Informal Business: Evidence from China's Household Panel Data |
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