Triggers and barriers to financial inclusion: The use of ICT-based branchless banking in an Amazon county

Alessandrini, 2009, Banks, distances and firms’ financing constraints, Review of Finance, 13, 261, 10.1093/rof/rfn010 Alves, S. D., and Soares, M. M. Microfinanças: A democratização do crédito no Brasil. Atuação do Banco Central, 3rd edition, Brasília, 2006. Arocena, J. La tensión actor-sistema en los procesos contemporáneos de desarrollo. In Conference Proceedings, Montevideo, UR, 2004. Arocena, 1999, Por una lectura compleja del actor local en los procesos de globalización Autazes web site, Site Oficial de Autazes na Adm. de José Thomé Filho. Economia, 2009. Available at www.autazes.kit.net/Economia.htm. Avgerou, 2000, IT and orgnizational change: An institutional perspective, Information Technology & People, 13, 234, 10.1108/09593840010359464 Baltodano, A. P. Estado, Soberanía y Políticas Públicas en América Latina. En: Globalización, Ciudadanía y Política Social en América Latina. Editorial Nueva Sociedad, Caracas, VZ, 1997. Barley, 1986, Technology as an occasion for structuring: Evidence from observations of CT scanners and the social order of radiology departments, Administrative Science Quarterly, 31, 78, 10.2307/2392767 Beck, 2008, Access to finance: an unfinished agenda, World Bank Economic Review, 22, 383, 10.1093/wber/lhn021 Berger, 1967 Bervejillo, 1999, Reinvención del territorio. Los agentes de desarrollo, entre el conocimiento y el proyecto colectivo Biblioteca Virtual. Biblioteca virtual do Amazonas. Autazes, 2009. Available at www.bv.am.gov.br/portal/conteudo/municipios/autazes.php. Bijker, 1992 Boisier, 2005 Burton-Jones, 2007, Towards a deeper understanding of system usage in organizations: A multilevel perspective, MIS Quarterly, 31, 657, 10.2307/25148815 Casanova, 2004 Castells, 1998, Vol. I Copestake, 2007, Mainstreaming microfinance: social performance management or mission drift?, World Development, 35, 1721, 10.1016/j.worlddev.2007.06.004 Claessens, 2006, Access to financial services: a review of the issues and public policy objectives, World Bank Research Observer, 21, 207, 10.1093/wbro/lkl004 Consultative Group to Assist the Poor (CGAP). Financial access 2009: Measuring access to financial services around the world. Washington, DC, 2009. Diagnóstico do sistema de pagamentos de varejo do Brasil – adendo estatístico – 2009. Brazilian Central Bank, May 2010. Available at www.bcb.gov.br/htms/SPB/Diagnostico-Adendo-2009.pdf. Diniz, 2009, The role of ICT in helping parallel paths to converge: microcredit and correspondent banking in Brazil, Journal of Global Information Technology Management, 12, 4 Doolin, 1998, Information technology as disciplinary technology: Being critical in interpretive research on information systems, Journal of Information Technology, 13, 301, 10.1057/jit.1998.8 Eisenhardt, 1989, Building theories from case study research, Academy of Management Review, 14, 532, 10.5465/amr.1989.4308385 Ely, 2009, Credit unions and small business lending, Journal of Financial Services Research, 35, 53, 10.1007/s10693-008-0038-3 Feltrim, L. E., Ventura, E. C. F., and Dodl, A. v. B. Inclusão financeira no Brasil: Projeto estratégico do Banco Central, 2009. Available at www.sebrae.com.br/customizado/uasf/microfinancas/microcredito/copy2_of_o-que-e-microcredito/boas-vindas. Freire, 1972 Galliccio, E. El desarrollo económico local en América Latina. ¿Estrategia econômica o de construcción de capital social? Seminario Gobierno Local y Desarrollo, Barcelona, Spain, 2004. Giddens, 1990 Gigler, B. J. Including the excluded – Can ICTs empower poor communities? Towards an alternative evaluation framework based on the capability approach. In 4th International Conference on the Capability Approach, 5–7 September, 2004, University of Pavia, Italy, 2004. Available at http://cfs.unipv.it/ca2004/papers/gigler.pdf. Gopal, 2000, Understanding GDSS in symbolic context: Shifting the focus from technology to interaction, MIS Quarterly, 24, 509, 10.2307/3250972 IADB. Unlocking credit: the quest for deep and stable banking lending. Economic and social progress in Latin America and the Caribbean, 2005 Report. Inter-American Development Bank, Washington, DC, 2005. IBGE. Censo agropecuário de 2006 do IBGE, 2009. Available at www.ibge.gov.br/home/estatistica/economia/agropecuaria/censoagro/2006/default.shtm. IBGE@CIDADES. Information on Autazes, 2009. Available at www.ibge.gov.br/cidadesat/topwindow.htm?1. Ivatury, G. Using technology to build inclusive financial systems. CGAP Focus Note 32, Washington, DC, January 2006. Ivatury, G., and Mas, I. The early experience with branchless banking. CGAP Focus Note 46, Washington, DC, April 2008. Jones, 2008, Review: Giddens’s structuration theory and information systems research, MIS Quarterly, 32, 127, 10.2307/25148831 Kamath, 2007, Financial inclusion vis-à-vis social banking, Economic and Political Weekly, 52, 1334 Kumar, A., Nair, A., Parsons, A., and Urdapilleta, E. Expanding bank outreach through retail partnerships: Correspondent banking in Brazil. World Bank Working Paper 85, Washington, DC, 2006. Latifee, H. I. The future of microfinance: Visioning the who, what, when, where, why, and how of microfinance expansion over the next 10 years. Grameen Trust Bangladesh, Global Microcredit Summit 2006, Nairobi, Kenya, November, 2006. Available at www.microcreditsummit.org/papers/Plenaries/Latifee.pdf. Littlefield, E., Helms, B., and Porteous, D. Financial inclusion 2015: Four scenarios for the future of microfinance, CGAP Focus Note 39, Washington, DC, 2006. MacKenzie, 1999 Mas, 2009, The economics of branchless banking, Innovations: Technology, Governance, Globalization, 4, 57, 10.1162/itgg.2009.4.2.57 Miles, 1994 Ngwenyama, 1998, Groupware, social action and organizational emergence: On the process dynamics of computer mediated distributed work, Accounting, Management and Information Technology, 8, 127, 10.1016/S0959-8022(98)00003-4 Orlikowski, 2000, Using technology and constituting structures: a practice lens for studying technology in organizations, Organization Science, 11, 404, 10.1287/orsc.11.4.404.14600 Patton, 2002 Pettigrew, 1990, Longitudinal field research on change: theory and practice, Organization Science, 1, 267, 10.1287/orsc.1.3.267 Pozzebon, 2005, Challenges in conducting empirical work using structuration theory: Learning from IT research, Organization Studies, 26, 1353, 10.1177/0170840605054621 Pozzebon, 2009, Chapter II: Adapting the structurationist view of technology for studies at the community/societal Levels 2006 Sarker, S., and Sidorova, A. Understanding business process change failure: An actor-network perspective. Journal of Management Information Systems, 23, 1, Summer 2006, 51–86. Sarma, 2011, Financial inclusion and development, Journal of International Development, 23, 3, 10.1002/jid.1698 Sen, 1999 Stake, 1995 Stake, 1998 Stake, 2006 Stegman, 2005 Thompson, C. E., Barbosa, C. L. J., and Frota, I. L. A parceria bradesco e correios no bando postal: Uma abordagem estratégica, tecnológica e social. In Simpósio de Engenharia de Produção, Bauru, Brazil, 2003. Walsham, 2002, Cross-cultural software production and use: A structurational analysis, MIS Quarterly, 26, 359, 10.2307/4132313 Weissbourd, R. Banking on technology: Expanding financial markets and economic opportunity. Prepared for the Brooking Institution Center on Urban and Metropolitan Policy, the Financial Services Roundtable and the Ford Foundation, Washington, DC, 2002. Yetim, 2006, Acting with genres: Discursive-ethical concepts for reflecting on and legitimating genres, European Journal of Information Systems, 15, 54, 10.1057/palgrave.ejis.3000595 Yin, 1994 Williams, R. Universal solutions or local contingencies? Tensions and contradictions in the mutual shaping of technology and work organization. Chapter 8 in I. Mcloughlin, and M. Harris (eds.), Innovation, Organization Change and Technology, International Thomson Business Press, 1997, 170–185. Zozaya, M. H. S. Universidad y desarrollo local en Latinoamérica. In C. Girardo, M. de Ibarrola, C. Jacinto, and P. Mochi (eds.), Estrategias Educativas y Formativas para la Inserción Social y Productiva. Herramientas para la Transformación, 31, Interfor/OIT, Montevideo, UR, 2006, 195–211.