Responsible Investing in Digital Financial Services

Investor Guidelines for Responsible Investing in

Digital Financial Services

 WHY THIS MATTERS

The COVID-19 pandemic has accentuated the role of  digital inclusion and investing in responsible digital  financial services to support micro, small  and medium enterprises, and innovative technology providers that are serving the underbanked.
The Investor Guidelines for Responsible Investing in Digital Financial Services aims to navigate new opportunities with evolving risks for sustainable growth and resilience.

OUR GOAL AS SIGNATORIES

As Signatories of the Investor Guidelines, our goal is to strengthen the resilience of digital finance customers and their ecosystems. We catalyze investments in digital solutions for resiliency and financial health.  We collaborate with leading players to sharpen evidence with evolving business models for inclusive growth.

Mitigate evolving risks and optimize digital opportunities

Catalyze investments for digital inclusion and resiliency

Sustain growth through customer trust and financial health

HOW WE WORK

We are sharpening essential tools to strengthen practices for responsible digital financial services.  We share our insights based on our own investments, as investors and endorsers, to implement the Investor Guidelines.

We invite our investee networks, technology and strategic partners to join us and fortify our Signatory base to advance progress in responsible investing for digital inclusion.
We are implementing and testing practical steps through 10 guideposts and actions proposed, as relevant to our investments or evolving business models and industry practices.
We as private sector investors and signatories co-led the development of the Investor Guidelines. We seek continuous feedback, share experiences with our networks to discover new solutions.
We anchored the Investor Guidelines to the G20 High Level Principles because it is the first and most comprehensive principles for digital finance, endorsed in 2016 with China as holder of the G20 Presidency.
We began as a core group at the Responsible Finance Forum in Berlin in 2017, grew to over 50 Co-founding Signatories in 2018 in Amsterdam.  Today, there are over 120 Signatories representing investors and innovators for digital inclusion in 300+ investments worth more than $3.2 billion across 55 countries. Here are the latest Signatories, or contact us to become a Signatory!

WHAT'S HAPPENING

Connect. Share. Repeat.
    • COVID-19 has changed the way we invest overnight.  The Investor Guidelines for responsible investing in digital financial services are more important than before, and we can pave a new path for recovery and resiliency. Contact us to share your experiences in our Signatory Series or send your comments, feedback:
  1. DEG draft briefing note for investors who are assessing fair and transparent pricing as part of their investment in fintechs: Draft Briefing Note.
  2. IFC draft due diligence tool for investors who are incorporating customer risks into their broader investment processes: Draft Due Diligence Tool, along with the Risk Matrix.
  3. Goodwell Investments: forthcoming draft briefing note on Guideline 4: Facilitate Interoperability...
  4. Incofin: draft briefing note and proposed checklist on Guideline 9: Prevent Over-Indebtedness...

INVESTOR GUIDELINES: HOW WE INVEST

1
1. Promote Responsible Investment in Digital Finance
2
2. Manage Risks Comprehensively with Growth of Digital Inclusion
3
3. Foster a Proportionate Legal and Regulatory Framework
4
4. Facilitate Interoperability and Infrastructures for DFS Ecosystems
5
5. Establish Customer Identity, Data Privacy and Security Standard
6
6. Promote Fair and Transparent Pricing
7
7. Improve Disclosure of Terms and Conditions for Customers
8
8. Enhance Customer Services For Problem Resolution and Product Innovation
9
9. Prevent Over-Indebtedness, Strengthen Digital Literacy and Financial Awareness
10
10. Track Progress to Mitigate Risks and Expand DFS Opportunities