Srihari Hulikal Muralidhar

Digitizing Monetary Ecologies: Intended and Unintended Consequences of Introducing a Financial Management App in a Low-Resource Setting

This paper reports on the changes in the monetary ecology around loan payments shortly after the introduction of a mobile app in Karnataka, India. The app was designed to be used by a social enterprise working with auto-rickshaw drivers by enabling them to take out loans to buy their auto-rickshaws. The app was intend…