英文文献：Mobile banking usage, quality of growth, inequality and poverty in developing countries-发展中国家的移动银行使用、增长质量、不平等和贫困
英文文献作者：Simplice Asongu,Nicholas Odhiambo
英文文献摘要：
The transition from Millennium Development Goals to Sustainable Development Goals has substantially shifted the policy debate from development to inclusive development. Using interactive quantile regressions, we examine the correlations between mobile banking and inclusive development (quality of growth, inequality and poverty) among individuals in 93 developing countries for the year 2011. Mobile banking entails: ‘mobile used to pay bills’ and ‘mobile used to receive/send money’. The findings broadly show that increasing mobile banking dynamics to certain thresholds would increase (decrease) quality of growth (inequality) in quantiles at the high-end of inclusive development distributions for the most part. The study is original in that it explores the relationship between mobile banking and inclusive development using three measurements of inclusive development, namely: quality of growth, inequality and poverty. As a main policy implication, encouraging mobile banking applications would play a substantial role in responding to the challenges of immiserizing growth, inequality and poverty in developing countries.

从千年发展目标向可持续发展目标的过渡使政策辩论从发展转向包容性发展。利用互动分位数回归，我们研究了93个发展中国家2011年移动银行与包容性发展(增长质量、不平等和贫困)之间的相关性。手机银行需要:“手机用来支付账单”和“手机用来收/寄钱”。研究结果广泛地表明，将移动银行动态增加到一定的阈值，在大多数情况下会以分位数增加(减少)在包容性发展分配的高端增长质量(不平等)。这项研究的新颖之处在于，它利用三种包容性发展的衡量标准，即增长质量、不平等和贫困，探索了移动银行与包容性发展之间的关系。作为一项主要的政策暗示，鼓励手机银行应用程序将在应对发展中国家的贫困增长、不平等和贫困等挑战方面发挥重大作用。