Technology Inequality: Opportunities and Challenges for Mobile Financial Services

19 Jun 2017
  • Leon Perlman

Technology has been a pivotal and successful enabler of financial inclusion. However, even with each technical evolution, sets of technical, cost, competition, capacity and access challenges persist. CFI Fellow Leon Perlman looks at the advantages, disadvantages and challenges that fasten on the existing and evolving technologies, bearer services, access platforms and user devices for mobile financial services (MFS) in Technology Inequality: Opporunities and Challenges for Mobile Financial Services. His on-the-ground research […]


Financial Inclusion and Inclusive Growth – Review of Recent Empirical Evidence

23 May 2017
  • Asli Demirguc-Kunt
  • Leora Klapper
  • Dorothe Singer

There is growing evidence that appropriate financial services have substantial benefits for consumers, especially women and poor adults. This paper provides an overview of financial inclusion around the world and reviews the recent empirical evidence on how the use of financial products—such as payments services, savings accounts, loans, and insurance— can contribute to inclusive growth and economic development. This paper also discusses some of the challenges to achieving greater financial inclusion and directions for future research.


Mainstreaming Gender and Targeting Women in Inclusive Insurance – Perspectives and Emerging Lessons

22 May 2017
  • GIZ
  • IFC
  • Women's World Banking

The Rationale for a Focus on Women and Inclusive Insurance: The compendium “Mainstreaming Gender and Targeting Women in Inclusive Insurance: Perspectives and Emerging Lessons” provides a variety of articles and case studies on the state and potential of gender mainstreaming and targeting women in insurance in developing and emerging economies. It considers inclusive insurance as broader than microinsurance so that all underserved women clients in these markets can be included. At its heart, this […]


Measuring the Performance of Alternative Delivery Channels

10 May 2017

    Executive Summary: Financial Service Providers (FSPs) are deploying various alternative delivery channels (ADCs) to serve their clients outside of branches, often enabled by technology and digitization of the service. FSPs are developing metrics and dashboards to monitor the development of these new channels and to track them against operational and strategic goals.  However, FSPs still need visibility onto the rest of the market. Understanding this need, MIX embarked on research […]


    Electronic Transfers in Humanitarian Assistance and Uptake of Financial Services

    02 May 2017
    • Sarah Bailey

      The Electronic Cash Transfer Learning Action Network (ELAN) undertook case studies on humanitarian electronic transfer (‘e-transfer’) projects in Ethiopia, Zimbabwe and Bangladesh. The case studies examine the extent to which: recipients used digital financial services (e.g. money transfers, savings, credit, purchases) through mobile money; the factors that affected recipients’ uptake of these financial services; and considerations for future humanitarian programmes aiming to increase the use of digital financial services […]


    Beyond Financial Inclusion – Financial Health as a Global Framework

    19 Apr 2017
    • Tanya Ladha
    • Kaitlin Asrow
    • Sarah Parker
    • Elisabeth Rhyne
    • Sonja Kelly

    Individuals all around the world strive to improve their financial lives. They spend, save, borrow, and plan, working to grow their assets and protect their resources, in the pursuit of improved financial health. A relatively new term in the financial inclusion community, financial health is a model for assessing how well one’s daily financial systems help build resilience from shocks and create opportunities to pursue one’s dreams. Whether rural or […]


    Financing the Frontier – Inclusive Financial Sector Development in Fragility-Affected States in Africa

    19 Apr 2017
    • Thea Anderson
    • Diane Johnson

    This think piece is a response to the recognition that inclusive financial market development in sub-Saharan Africa (SSA) faces new challenges. It argues that there is a triple justification for an increased focus on fragility-affected states in Africa (FASA). First, poverty is reducing, but the concentration of extreme poverty in fragile states is likely to increase. As SSA grows, there is a moral imperative to ensure the benefits are shared, […]


    Geodata and ICT Solutions for Inclusive Finance and Food Security

    19 Apr 2017
    • Mariel Mensink
    • Martijn Vranken

    Recent developments in technological applications offer opportunities to increase outreach of financial services to rural areas and for smallholder farmers. Early evidence suggests that these applications offer great promise to produce a higher and more stable crop supply of increased quality and improve market access. By this, the risk profile of smallholder farmers reduces which is an important stimulus for financial institutions to provide financial services. At the same time, technology reduces costs and allows […]


    Development Investments – A Response to Global Challenges

    07 Apr 2017

      We offer our investors access to about 100 emerging local markets worldwide, where we invest directly in companies with scalable business models. Their products or services enrich the market and thus promote development. While global poverty has been cut in half since 1990, no more than 1 % of the global population is aware of this, according to a survey of 26,000 citizens in 24 countries. It is worth paying attention to the hundreds […]


      Crowdfunding and Financial Inclusion

      30 Mar 2017
      • Ivo Jenik
      • Timothy Lyman
      • Alessandro Nava

      EXECUTIVE SUMMARY Crowdfunding has been touted as a financial innovation, a FinTech, the fastest growing financial industry, and the next big thing in finance. “Crowdfunding” typically describes a method of financing whereby small amounts of funds are raised from large numbers of individuals or legal entities to fund businesses, specific projects, individual consumption, or other needs. It involves bypassing traditional financial intermediaries and using online web-based platforms to connect users […]

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