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Consumers and Mobile Financial Services March 2012

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Studies about remittances have often focused on their wealth generating capacity through savings and investment (Adams, 1998), the factors influencing their flow (El -Sakka, 1999), and their effects on the recipient economies at the household level (Arif , 1999). In synthesis, remittances can be analyzed within the context of the relationship between development and migration in a three prong manner: (a) remittances as another source of foreign savings; (b) remittances as an illustration of a broader process of integration into the global economy through migration -- specifically, in what I refer to as the “Five.

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