Communication Technology and New Media Commons^™

Mobile Banking As A Mechanism To Increase Access To Financial Services, Luisa Blanco, C. Andrew Bosque, Xizhu Wang

School of Public Policy Working Papers

We study the determinants of mobile banking adoption, with a special interest on how mobile banking can increase access to financial services among racial and ethnic minorities in the United States. In our analysis, we use survey data from two different sources: 1) Survey of Consumers' Use of Mobile Financial Services (SCUMFS) We conduct a regression analysis and Oaxaca Decomposition to determine the explanatory factors of racial and ethnic gaps in bank account ownership. We find that minorities are less likely to use mobile banking than Whites in the NSUUH, but more likely to adopt mobile banking according to SCUMFS, …

Mobile Data Roaming And Incentives For Investment In Rural Broadband Infrastructure, James Prieger

School of Public Policy Working Papers

Mobile broadband Internet access is highly important to the American economy and millions of users. There were almost 200 million mobile broadband connections by the end of 2013 in the United States, far more than the number of fixed broadband connections (FCC, 2014a, Table 1). The economic activity created by the provision and usage of mobile broadband is sizeable, and has been documented at the national level (Gruber and Koutroumpis, 2011; Thompson and Garbacz, 2011; Katz, 2012) and specifically for rural areas (Whitacre, Gallardo, and Strover, 2014). The benefits of mobile broadband—and indeed the entire broadband ecosystem—depend on investment in …

The Growth Of The Broadband Internet Access Market In California: Deployment, Competition, Adoption, And Challenges For Policy, James E. Prieger

School of Public Policy Working Papers

This report examines the great progress made in availability and adoption in the broadband market over the past few decades and shows how Californian residents and businesses have come to use broadband widely. The policy issues involved with continuing the tremendous strides already made are discussed, along with recommendations for policy-makers.

The report begins by documenting the rapid growth of Internet usage in the U.S. and California. There is a review of the current state of competition in voice and broadband markets, discussing the decline of traditional telephone service, which is rapidly approaching irrelevance, and the rise of wireless and …