Resources

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

Papers

July 2019	An assessment of SMS fraud in Pakistan. Fahad Pervaiz, Rai Shah Nawaz, Muhammad Umer Ramzan, Maryem Zafar Usmani, Shrirang Mare, Kurtis Heimerl, Faisal Kamiran, Richard Anderson, Lubna Razaq. ACM Computing and Sustainable Societies (COMPASS).
July 2019	Examining the use and non-use of mobile payment systems for merchant payments in India. Aditya Vashistha, Richard Anderson, Shrirang Mare. ACM Computing and Sustainable Societies (COMPASS).
May 2019	Digital Financial Needs of Micro-entrepreneur Women in Pakistan: Is Mobile Money The Answer?. Maryam Mustafa, Noor Mazhar, Ayesha Asghar, Maryem Zafar Usmani, Lubna Razaq, and Richard Anderson. ACM CHI Conference on Human Factors in Computing Systems.
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).