The DOI matches its Crossref record; the references it cites are not checked yet.
Learning to Navigate a New Financial Technology
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.
Overview
The claims and statistics of this paper haven’t been checked yet.
Run the check — free, no account needed. It reads the open-access text and checks the sources it cites.
Integrity signals
Registry
Cites
Statistics
Verification
Claims the paper makes
The claims and statistics of this paper haven’t been checked yet.
Run the check — free, no account needed. It reads the open-access text and checks the sources it cites.
Self-check
Percentages, sums and reported differences re-computed from the paper’s own numbers.
The self-check needs the paper’s full text.
Citations
The citation lists haven’t been fetched yet
Cited by 1
Research works printed but not linked: 43
- Agarwal Sumit SashwatAlok PulakGhosh Soumya KantiGhosh TomaszPiskorski andAmitSeru 2018 Banking the unbanked: What do 255 million new bank accounts reveal about financial access? Working Paper. · DOI
- 10.1162/REST_a_00625 · DOI · Paper page
- 10.1198/016214508000000841 · DOI · Paper page
- 10.1086/734133 · DOI
- 10.1111/jofi.13021 · DOI · Paper page
- 10.1146/annurev-financial-110118-123106 · DOI
- 10.1162/rest_a_01333 · DOI
- 10.1016/j.jpubeco.2020.104144 · DOI
- 10.3386/w24854 · DOI
- 10.1257/aer.20171676 · DOI
- 10.3982/ECTA19408 · DOI
- 10.3982/ECTA13683 · DOI
- 10.1257/pandp.20181011 · doi:10.1257/pandp.20181011
- 10.1016/j.jfineco.2019.05.006 · DOI · Paper page
- 10.1257/0002828054201242 · DOI · Paper page
- 10.1093/restud/rdz020 · DOI
- 10.1257/jep.25.1.91 · DOI · Paper page
- Campbell John Y. TarunRamadorai andBenjaminRanish 2014 Getting better or feeling better? How equity investors respond to investment experience Working Paper 20000 National Bureau of Economic Research. · DOI
- 10.3982/ECTA21078 · doi:10.3982/ecta21078
- 10.1257/aer.20180281 · DOI
- 10.1093/qje/qjad054 · DOI · Paper page
- 10.3982/ECTA19303 · DOI
- 10.1093/rfs/hhac092 · doi:10.1093/rfs/hhac092
- 10.1093/wber/lhz013 · DOI · Paper page
- 10.1162/rest_a_01359 · DOI
- 10.1257/app.20160597 · DOI · Paper page
- 10.1086/700735 · DOI · Paper page
- 10.1257/aer.20200705 · DOI · Paper page
- 10.1162/qjec.2006.121.2.505 · DOI · Paper page
- Giné Xavier andJessicaGoldberg 2020 Status quo bias and usage of financial products: Field evidence from Malawi Working paper. · doi:10.1257/rct.5781
- 10.1016/j.jpubeco.2022.104618 · DOI
- 10.1093/qje/qjw025 · DOI · Paper page
- 10.1016/j.jdeveco.2015.01.006 · DOI · Paper page
- 10.1257/aer.20201952 · DOI
- 10.1257/aer.104.1.183 · DOI · Paper page
- 10.1093/restud/rdv033 · DOI · Paper page
- 10.2307/2118400 · DOI · Paper page
- 10.1257/app.20190067 · DOI
- 10.1257/aer.20141346 · DOI · Paper page
- 10.1257/aer.20220717 · DOI
- 10.1257/app.20170453 · DOI
- 10.1257/app.20160547 · DOI
- 10.1146/annurev-economics-063016-103638 · DOI · Paper page
Metadata
- Authors
- BREZA, E., KANZ, M., & KLAPPER, L.
- Venue
- The Journal of Finance
- Publisher
- Wiley
- Published
- 2026-06-17
- Volume
- 81
- Issue
- 5
- Pages
- 2687-2728
- ISSN
- 0022-1082
- 1540-6261
- Cited by
- 1
- Language
- en
- Licence
- onlinelibrary.wiley.com/termsAndConditions#vor (vor)
- doi.wiley.com/10.1002/tdm_license_1.1 (tdm)
About these checks
Registry, retraction, Cites and statistics results are computed, not judged, with one exception: a printed reference that no index lists is read once by a model before it counts as a citation error. Claims are extracted by a model and kept only when their quote appears verbatim in the text; each cited source is then checked, with a model’s help, for whether it says what the claim relies on. Those verdicts can be wrong — read the claim’s quote and the cited source before relying on one.
Statistics and arithmetic are recomputed, not judged.
Confidence bands are shown only for fields calibrated on our annotated test set. None is calibrated yet, so no band is shown.
What counts as a claim ›How we measure confidence ›How we check this ›
Are you an author, or do you see a problem with this page? Request a review
How to cite
Cite CoChat for the checks on this page, and the paper for its own findings.
- This page
- CoChat. (2026). Citation check: Learning to Navigate a New Financial Technology. https://app.cochat.ai/papers/10.1111/jofi.70062
- The paper
- BREZA, E., KANZ, M., & KLAPPER, L. (2026). Learning to Navigate a New Financial Technology. The Journal of Finance. https://doi.org/10.1111/jofi.70062
Data sources
Bibliographic data: Semantic Scholar, OpenAlex, Crossref.
Contains information from the Semantic Scholar Academic Graph Datasets, made available under the ODC Attribution License (ODC-BY 1.0).
Semantic Scholar’s data is described in: Kinney, R., et al. (2023). The Semantic Scholar Open Data Platform. arXiv:2301.10140.
