Evaluation
The proliferation of mobile money across low- and middle-income countries has led to increased availability of mobile payment systems, which can potentially allow more flexible payment terms for customers. Subsidies increased the use of mechanized desludgings, while pre-paid deposit requirements had no impact on their use. The flexibility of being able to save in advance in an earmarked savings account through the save-at-will treatment increased take-up through the program, but did so at the expense of take-up outside the program.