# kaal:claim:3406323-017

**Claim.** The poor and those with less access to institutions bear a disproportionate share of the costs of using cash.

**Type.** empirical  **Support.** evidenced

**Holds when.**

- cash based economies

**Source quote.**

> Several studies demonstrate that the poor and those with less access to institutions bear a disproportionate share of these costs of using cash.

**From.** Wulf A. Kaal, *Decentralization - A Primer on the New Economy* (2019), IV. Opportunities, page 10

**Cite as.** Wulf A. Kaal, Decentralization - A Primer on the New Economy (2019). SSRN: https://ssrn.com/abstract=3406323

**Verify.** sha256 of source PDF `6293780b57a1ae1de17ec00f99cc94295d4f72ea4d08b17a5c08c44772b221db` at https://raw.githubusercontent.com/wulfkaal/Academic-Papers/main/papers/pdf/Kaal%20-%202019%20-%20Decentralization%20-%20A%20Primer%20on%20the%20New%20Economy.pdf

**Topics.** institutional-design

**Keywords.** cost-of-cash, inequality, financial-inclusion, corruption

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