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Microfinance challenges and the potential benefits of blockchain technology and mobile money

by Md Mahfuzul Hoque

Institution:	Queensland University of Technology
Department:
Degree:
Year:	2022
Keywords:	Blockchain technology; Microfinance; Mobile money; Transaction Cost Economics; Microcredit
Posted:	3/25/2025
Record ID:	2253727
Full text PDF:	https://eprints.qut.edu.au/228731/

Abstract

The thesis advances the understanding of blockchain applicability in the micro-lending setting. Adopting a qualitative approach based on interviews, this research reveals that blockchain can be used to create credible financial profiles for micro-borrowers that are likely to increase lenders’ trust. Moreover, the use of blockchain can lower borrowing costs for the poor. However, coordination complexities and the lack of a standard for sharing data among multiple participating organisations remain substantial challenges, preventing the diffusion of blockchain technology in microfinance.