Resources

Papers / Research briefs / Talks / DFS References / Internal Documents

Papers

June
2018
A Qualitative Exploration of Mobile Money in Ghana.
Sarah Yu (University of Washington), Samia Ibtasam (University of Washington).
COMPASS 2018, Menlo Park & San Jose, California.
June
2018
Knowledge, Access, and Decision-Making: Women's Financial Inclusion in Pakistan.
Samia Ibtasam (University of Washington), Lubna Razaq (Information Technology University), Haider W. Anwar (Northeastern University), Hamid Mehmood (Information Technology University), Kushal Shah (University of Washington), Jennifer Webster (University of Washington), Neha Kumar (Georgia Institute of Technology), Richard Anderson (University of Washington).
COMPASS 2018, Menlo Park & San Jose, California.
June
2018
ThinSIM-based Attacks on Mobile Money Systems.
Rowan Phipps (University of Washington), Shrirang Mare (University of Washington), Peter Ney (University of Washington), Jennifer Rose Webster (University of Washington), Kurtis Heimerl (University of Washington).
COMPASS 2018, Menlo Park & San Jose, California.
June
2018
Examining Security and Privacy Research in Developing Regions.
Aditya Vashistha (University of Washington), Richard Anderson (University of Washington), Shrirang Mare (University of Washington).
COMPASS 2018, Menlo Park & San Jose, California.
May
2018
Computer Security and Privacy for Refugees in the United States.
Lucy Simko, Ada Lerner, Samia Ibtasam, Ada Lerner, Franziska Roesner and Tadayoshi Kohno.
IEEE Security and Privacy 2018 (“Oakland”).
April
2018
eKichabi: Information Access through Basic Mobile Phones in Rural Tanzania.
Galen Weld, Trevor Perrier, Jenny Aker, Joshua Blumenstock, Brian Dillon, Adalbertus Kamanzi, Editha Kokushubira, Jennifer Webster and Richard Anderson.
ACM CHI Conference on Human Factors in Computing Systems.
April
2018
Crowdsourcing Rural Network Maintenance and Repair via Network Messaging.
Esther Jang, Mary Claire Barela, Matt Johnson, Philip Martinez, Cedric Festin, Margaret Lynn, Josephine Dionisio, and Kurtis Heimerl.
ACM CHI Conference on Human Factors in Computing Systems.
January
2018
Computer security for data collection technologies.
Camille Cobb, Samuel Sudar, Nicholas Reiter, Richard Anderson, Franziska Roesner, and Tadayoushi Kohno.
Development Engineering, Volume 3, 2018, Pages 1-11.
November
2017
An Exploration of Smartphone Based Mobile Money Applications in Pakistan.
Samia Ibtasam, Hamid Mehmood, Lubna Razaq, Jennifer Webster, Sarah Yu, and Richard Anderson.
ICTD.
November
2017
An Investigation of Phone Upgrades in Remote Community Cellular Networks.
Kushal Shah, Philip Martinez, Emre Tepedelenlioglu, Shaddi Hasan, Ceric Festin, Joshua Blumenstock, Josephine Dionisio and Kertis Heimerl.
ICTD.
November
2016
Let’s Talk Money: Evaluating the Security Challenges of Mobile Money in the Developing World.
Sam Castle, Fahad Pervaiz, Galen Weld, Franziska Roesner and Richard Anderson.
ACM DEV.
December
2015
USSD: The Third Universal App.
Trevor Perrier, Brian Derenzi, Richard Anderson.
ACM DEV.

Research briefs

July
2017
Mobile Money and Gender.
UW DFS Research Group.
Research Brief 006.
July
2017
An Exploration of Smartphone-Based Mobile Money Applications in Pakistan.
UW DFS Research Group.
Research Brief 005.
July
2017
An Investigation of Phone Upgrades in Remote Community Cellular Networks.
UW DFS Research Group.
Research Brief 004.
October
2016
Let's Talk Money: Evaluating the Security Challenges of Mobile Money in the Developing World.
Sam Castle, Fahad Pervaiz, Galen Weld, Franziska Roesner, and Richard Anderson..
UW DFS Research Brief 003.
August
2016
A Review of the Computer Science Literature Relating to Digital Financial Services.
Sam Castle, Fahad Pervaiz, Sarah Yu.
UW DFS Research Brief 002.
August
2016
ICTD 2016 Digital Financial Services Open Session Report.
Sam Castle, Ashley Hartz, Fahad Pervaiz.
UW DFS Research Brief 001.

Talks / Presentations

June
2018
Knowledge, Access, and Decision-Making: Women's Financial Inclusion in Pakistan.
Richard Anderson.
COMPASS 2018, Silicon Valley, California.
June
2018
Meta-analysis: Examining Security and Privacy Research in Developing Regions.
Shrirang Mare.
COMPASS 2018, Silicon Valley, California.
June
2018
Thin Sim-Based Mobile Money Attacks.
Rowan Phipps.
COMPASS 2018, Silicon Valley, California.
June
2018
A Qualitative Exploration of Mobile Money in Ghana.
Sarah Yu.
COMPASS 2018, Silicon Valley, California.
May
2018
An Exploration of the Handset Technology Landscape.
Jared Moore.
BMGF Financial Services for the Poor, May 17, 2018.
May
2018
UW Digital Financial Services Research Group.
Richard Anderson.
BMGF Financial Services for the Poor, May 8, 2018.
April
2018
eKichabi: Information Access through Basic Mobile Phones in Rural Tanzania.
Galen Weld.
CHI 2018, Montreal, Canada.
February
2018
UW Digital Financial Services Research Group.
Richard Anderson.
Microsoft Research India, Bangalore, India.
January
2018
Digital Financial Services: Gender & Learnability.
Samia Ibtasam.
Change Seminar, University of Washington.
November
2017
An Investigation of Phone Upgrades in Remote Community Cellular Networks.
Kurtis Heimerl.
ICTD 2017, Lahore Pakistan.
November
2017
An Exploration of Smartphone Based Mobile Money Applications in Pakistan.
Samia Ibtasam.
ICTD 2017, Lahore Pakistan.
October
2017
Computing and Digital Financial Services.
Richard Anderson.
DFS Workshop, University of Washington, October 4, 2017.
July
2017
Computing and Digital Financial Services.
Richard Anderson.
Information Technology University (ITU), Lahore, Pakistan, July 28, 2017.
March
2017
The UW Digital Financial Services Research Group : An Update.
Richard Anderson.
Change Seminar, March 28, 2017.
February
2017
Security and Fraud in Financial Services for Emerging Digital Economies.
Sam Castle.
Change Seminar.
January
2017
Computing and Financial Services for the Poor: The UW Digital Financial Services Research Group.
Richard Anderson, Shrirang Mare, Sam Castle.
.
November
2016
Let’s Talk Money: Evaluating the Security Challenges of Mobile Money in the Developing World.
Fahad Pervaiz.
ACM DEV.
November
2016
Cyber Security & Economic Growth: Challenges & Solutions for Pakistan.
Ammar Jaffri.
DFS Research Group.
October
2016
Summer Experiences: Ghana.
Sarah Yu.
DFS Research Group.
March
2016
Computing and Digital Services for the Poor: The UW Digital Financial Services Research Group.
Richard Anderson.
Change Seminar.
February
2016
Computing and Financial Services for the Poor: The UW Digital Financial Services Research Group.
Richard Anderson.
Indian Institute of Technology, Delhi (IITD), New Delhi, India.

DFS References

The literature on Digital Financial Services spans multiple academic disciplines as well as many research and consulting organizations. We list a few works here that we have found useful in beginning to work in the area. Some of these items maybe restricted to UW access due to copyright reasons.
December
2017
ID Identities: New Practices in a Connected Age.
Savita Bailur, Bryan Pon, and Emrys Schoemaker.
Caribou Digital Report.
April
2017
Technology Inequality.
Leon Perlman.
Center for Financial Inclusion Report.
February
2017
Identification Principles for Sustainable Development: Toward the Digital Age.
World Bank Group and Center for Global Development.
Report.
May
2016
Digital Dividends.
WOrld Bank.
World Development Report.
February
2016
State of the Industry Report.
GSMA.
Report.
June
2016
Winners & Losers in the Global App Economy.
Bryan Pon.
Caribou Digital report.
August
2015
Mo(bile) Money, Mo(bile) Problems: Analysis of Branchless Banking Applications in the Developing World.
Bradley Reaves, Nolen Scaife, Adam Bates, Patrick Traynor, Kevin R.B. Butler.
24th USENIX Security Symposium.
June
2015
Doing Digital Finance Right.
Katharine McKee, Michelle Kaffenberger, Jamie Zimmerman.
CGAP report.
November
2014
Mobile money profitability: A digital ecosystem to drive healthy margins.
Mireya Almazan, Nicolas Vonthron..
GSMA report.
May
2013
Remittances, Payments, and Money Transfers: Behaviors of South Asians and Indonesians.
Jake Kendall, Melanie Standish, Diana Liu, Nicole Naurath.
Gallup report.
December
2012
A Digital Pathway to Financial Inclusion.
Dan Radcliffe, Rodger Voorhies.
Bill & Melinda Gates Foundation.
December
2012
Fraud in Mobile Financial Services.
Joseck Luminzu Mudiri.
MicroSave report.
April
2009
Designing Mobile Money Services: Lessons from M-PESA.
Ignacio Mas, Olga Morawczynski.
innovations / spring 2009.

Internal Documents

Internal documents for the UW DFS project. Access is restricted to UW login credentials.
February
2018
Digital Financial Services Workshop, Lahore 2017.
Jennifer Webster.
Workshop report.
December
2017
Digital Financial Services Research Group, Annual Report, 2017.
Jennifer Webster, Richard Anderson.
Summary of the second year of the project.
July
2017
Digital Financial Services Research Group, Semiannual Report.
Jennifer Webster.
Summary of project for last six months.
December
2016
Digital Financial Services Research Group, Annual Report, 2016.
Shrirang Mare, Kevin Johnson, Richard Anderson.
Summary of the first year of the project.
August
2016
Six Month report from DFS RG.
Ashley Hartz, Richard Anderson.
Summary of first six months of the project.
August
2016
Trip Report, Pakistan, August 2016.
Ashley Hartz.
Trip report for DFS learning visit to Pakistan.
September
2015
Digital Financial Services Research Proposal.
Richard Anderson.
Proposal to Bill & Melinda Gates Foundation (Body of the proposal only).