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A.J. Mowl
AJ Mowl is a researcher at the IFMR Finance Foundation (IFF), where her present work focuses on the institutional and structural barriers to expanding financial inclusion. Prior to joining IFF in 2014, she was a faculty member at the business school of the Institute for Financial Management and Research (IFMR). Additionally, she was a member of the founding team at the Centre for Micro Finance Research at IFMR-LEAD, which she joined in 2005. She holds an MPA/ID from the Harvard Kennedy School, and an undergraduate degree in Economics from the University of California.
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Barriers to basic banking in India
The Indian government is promoting the Jan Dhan Yojana, Aadhaar and mobile banking – or the “JAM trinity” — as the pathway to financial inclusion. But are banks capable or even willing take on their role in this ambitious agenda? Based on a field study in Chennai, this column highlights the range of costs and constraints imposed by banks on customers attempting to enter the formal financial sector.
