Publications

LEVERAGING INCLUSIVE BUSINESS MODELS TO SUPPORT THE BASE OF THE PYRAMID DURING COVID-19

05 Jun 2020
  • Alexis Geaneotes
  • Kathleen Mignano

The COVID-19 crisis is expected to roll back some of the progress made against global poverty over the last two decades, with the greatest impact on individuals at the base of the economic pyramid. Inclusive businesses that expand access to goods, services, and livelihoods for these individuals are responding to the crisis by reorienting and adapting their inclusive business models and operations. This note highlights seven actions that companies are […]

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TECHNICAL NOTE: RISK-BASED CUSTOMER DUE DILIGENCE | REGULATORY APPROACHES

29 May 2020
  • Patrick Meagher
  • CGAP

Regulators face a challenge in balancing policies on anti-money laundering and combating the financing of terrorism against placing the least burden on outreach to the poor and unbanked. This Technical Note provides guidance on using risk-based approaches to customer due diligence (CDD), supported by examples drawn from around the world. There are three regulatory options for employing risk-based CDD: Principles-based approach Single low-risk threshold Framework of multiple risk tiers. Each requires regulators […]

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THE VALUE OF PAY-AS-YOU-GO SOLAR FOR MOBILE OPERATORS

13 May 2020
  • Nicolas Snel
  • George Kibala Bauer
  • Ilana Cohen
  • Cat Morais

The mobile industry and pay-as-you-go (PAYG) solar companies are natural allies. The rapid growth of the PAYG model has been fuelled by mobile money technology allowing low-income households to make payments for their solar home system. In return, mobile operators expect to get more value from PAYG clients by increasing and diversifying their mobile usage, but this has hardly been demonstrated so far. Quantifying the value of these partnerships for […]

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GUIDANCE ON PROTECTING CUSTOMERS DURING COVID-19

08 May 2020

    The impact of COVID-19 on businesses is acute, forcing them to deal with unprecedented financial and operational stress. For CDC investees, this will have immediate implications for consumers in some of the most underdeveloped economies and financially vulnerable populations. Effects in emerging markets are expected to be wider and more severe, so while regulators and governments continue to respond on a daily basis to support their economies, companies will need […]

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    PAYMENT ASPECTS OF FINANCIAL INCLUSION IN THE FINTECH ERA

    23 Apr 2020

      Fintech can spur financial inclusion by facilitating payments, but it is not a panacea and comes with risks that need to be managed, concludes a report by the Committee on Payments and Market Infrastructures (CPMI) and the World Bank. Financial inclusion starts with payments, which act as a gateway to other services, such as savings, credit and insurance, argues the report. At the heart of payment services are transaction accounts […]

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      THE DIGITAL CURRENCY REVOLUTION

      23 Apr 2020
      • David Birch

      This paper sets out what a digital currency is (and how it differs from cryptocurrency), explains why there is a focus on digital currency right now, and explores the implications of the launch of digital currencies – whether by Bitcoin entrepreneurs or by the Fed. It ends with a call for a co-ordinated strategic response based on innovative policies on digital money, digital identity and digital diligence. Originally published on […]

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      USAID’S DIGITAL STRATEGY 2020-2024

      23 Apr 2020
      • Aubra Anthony
      • others

      The rapid development and adoption of digital technology is transforming how people worldwide access information, goods, and services. Digital technology has the power to spur economic growth, improve development outcomes, and lift millions out of poverty. While digital tools hold immense potential to help people live more free and prosperous lives, they also present significant risks to citizen privacy and data, freedom of the press, and individual expression. Authoritarian governments […]

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      RESPONDING TO THE COVID-19 PANDEMIC: GUIDANCE FOR FINANCIAL SERVICE PROVIDERS

      08 Apr 2020

        Accion is closely assessing how the COVID-19 pandemic is affecting the financial inclusion industry and is continually looking at ways to help financial service providers prepare and adapt for disruptions that will occur in the markets and communities in which they work. The virus continues to spread to all corners of the globe and the financial inclusion industry needs to act promptly. Accion has developed the attached briefing note to […]

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        STATE OF THE INDUSTRY REPORT ON MOBILE MONEY 2019

        26 Mar 2020
        • Nika Naghavi

        Reaching the one billion mark is a tremendous achievement for an industry that is just over a decade old. The mobile money industry of today has a host of seasoned providers with a broad set of operational capabilities, a full suite of products and a global reach. This year’s State of the Industry Report on Mobile Money examines what one billion registered accounts signify for the mobile money industry, mobile […]

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        THE MOBILE ECONOMY 2020

        25 Mar 2020

          The GSMA Mobile Economy series provides the latest insights on the state of the mobile industry worldwide. Produced by our renowned in-house research team, GSMA Intelligence, these reports contain a range of technology, socio-economic and financial datasets, including forecasts out to 2025. The global version of the report is published annually at MWC Barcelona, while regional editions are published throughout the year. Originally published on GSMA’s website.

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