Publications

Finance for all: Wedded to fintech, for better or worse

01 Sep 2018

    Technology risk is high in financial inclusion market The following press release was originally published on CSFI’s website.  Survey identifies potential pitfalls New technology is delivering considerable benefits to the financial inclusion market – but is also creating new risks that service providers need to manage if they are to succeed. This is the main conclusion of a new survey of the risks (or Banana Skins) in the provision of […]

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    Digital Credit in Kenya

    23 Aug 2018
    • Anup Singh

    Digital Credit is growing rapidly and is democratizing credit with instant, automated, and remote processes, meeting short-term liquidity needs of low- and middle-income populations. Digital credit, at the onset, has demonstrated financial outreach – offered even to credit invisible customers, who do not have an account ownership or a credit history. This presentation focuses on the digital credit landscape in Kenya.

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    Achieving Development and Acceptance of an Open and Inclusive Digital Payments Infrastructure – Guidance Note for the G20/GPFI Markets and Payment Systems Subgroup

    20 Aug 2018
    • Carol Benson
    • Roelof Goosen
    • Camilo Tellez

    A report by the Better Than Cash Alliance for the G20 Global Partnership for Financial Inclusion This guidance note serves as input for the GPFI Policy Guide developed under Argentine Presidency 2018 with the overarching topic of digitization and informality. Developed for financial inclusion policymakers and payment service regulators, it proposes policy options and practical actions that can help moving toward developing open and inclusive digital payment infrastructures, while also […]

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    Global Financial Development Report: Bankers Without Borders

    20 Jun 2018

      Perhaps no sector than banking better illustrates both the potential benefits and perils of deeper international integration. In the wake of the global financial crisis, the globalization trend has been partially reversed, as multinational banks from developed countries—“the North”—have scaled back their international operations. On the other hand, developing country banks continued their international expansion, accounting for 60% of the new entry into foreign markets. In particular, “South–South” transactions— from […]

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      Uganda country assessment on affordable and accessible remittances for forcibly displaced persons and host communities

      20 Jun 2018

        Although the market for providing remittance services to refugees is large, financial service providers have found it difficult to develop a business case for targeting them. The cost of reaching and ensuring liquidity at their remote locations, uncertainty regarding acceptable identification, and limited information about refugees’ needs and abilities have limited the business case, leaving them without access to convenient, low-cost remittance services. As such, many refugees depend on expensive, […]

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        The Future of Supply Chains: Why Companies are Digitizing Payments

        15 Jun 2018
        • Marjolaine Chaintreau
        • Vibhor Goyal
        • Dianne Rajaratnam
        • Camilo Tellez

        New report underscores benefits of shifting from cash to digital payments in corporate supply chains. Drawing on data and interviews with around 40 companies and organizations, the report shows how digitizing supply chain payments is having a profound impact on global businesses, economies and individuals. For example, in Kenya, small Unilever retailers grew sales by 20 percent thanks to accessing digital working capital loans. In Bangladesh, when H&M, Marks & Spencer, Target, […]

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        GIIN Annual Impact Investor Survey 2018

        13 Jun 2018
        • Abhilash Mudaliar
        • Rachel Bass
        • Hannah Dithrich

        The GIIN’s 2018 Annual Impact Investor Survey signals a diverse and dynamic impact investing market. The report findings are based on survey responses from 229 of the world’s leading impact investing organizations, including: fund managers, banks, foundations, development finance institutions, pension funds, insurance companies, and family offices. In total, respondents collectively manage over USD 228 billion in impact investing assets, a figure which serves as the latest best-available ‘floor’ for the size […]

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        Accelerating Financial Inclusion with New Data

        25 May 2018
        • Dennis Ferenzy
        • Ethan Loufield
        • Tess Johnson

        This report—produced in partnership with the Center for Financial Inclusion at Accion and based on in-depth interviews with banks, fintechs, and other actors—examines how new types of data and new data tools present an unprecedented opportunity for financial service providers to better understand and serve clients, especially credit-seeking “thin-file” clients who are otherwise excluded from the formal financial sector. There are many internal and external challenges that providers must address […]

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        Modelo Peru: A Mobile Money Platform Offering Interoperability Towards Financial Inclusion

        25 May 2018
        • Paola Elvira Del Carpio Ponce

        everal emerging markets around the world face numerous challenges in their attempts at increasing their provision of financial services. Beginning in 2015, Peru implemented a strategy called Modelo Peru with the objective of launching a mobile money platform to reach and better serve the unbanked and underbanked. This strategy gathers financial institutions, telecom companies, and the government in an effort to achieve interoperability among these three groups and attain scale […]

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        Digital Access: The Future of Financial Inclusion in Africa

        23 May 2018

        The launch and growth of digital financial services in Africa has led to an unprecedented increase in the number of people enjoying access to formal financial services. The continent is now home to more digital financial services deployments than any other region in the world, with almost half of the nearly 700 million individual users worldwide. Mobile money solutions and agent banking now offer affordable, instant, and reliable transactions, savings, […]

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