Publications

Global Partnership for Financial Inclusion Forum

28 Nov 2017

    The Global Partnership for Inclusion (GPFI) Forum has become an annual cornerstone of the GPFI’s activities. At the Forum, the GPFI presents its work to a broader audience, going beyond its members. Usually taking place back-to-back to the GPFI’s plenary meeting, the forum offers a unique opportunity for reaching out and networking. In 2017, the GPFI Forum was hosted on 2-3 May in Berlin by the German G20 Presidency, paving […]

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    Digitally Delivered Credit: Consumer Protection Issues and Policy Responses to New Models of Digital Lending

    27 Nov 2017

      Across the globe, we are seeing how the rapid expansion of digital financial services (DFS) is driving the growth of inclusive finance. Policymakers and regulators are recognizing the importance of DFS for financial inclusion, as highlighted in the G20 High-Level Principles for Digital Financial Inclusion: “While tremendous gains in financial inclusion have already been achieved, digital financial services, together with effective supervision (which may be digitally enabled), are essential to close […]

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      Cashless Cities: Realizing the Benefits of Digital Payments

      31 Oct 2017

        Cities account for a large proportion of the global population and its economic activity. Today, over half of the world population lives in cities. By 2050, this number will increase to two-thirds. Currently, over 80% of global economic activity takes place in cities and it is expected that the vast majority of future economic growth will come from cities, largely spurred by digital payments. This study is unique in that […]

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        2017 UNSGSA Report: Financial Inclusion Transforming Lives

        31 Oct 2017

          Financial inclusion is now firmly established as a powerful tool to improve lives and strengthen development. Each year, the Secretary-General’s Special Advocate for Inclusive Finance—Queen Máxima of the Netherlands—publishes a report that looks at what financial inclusion has achieved and where it is going. The report discusses the contribution SMEs have on the economy – half of total employment and a third of the GDP. However, their opportunity for growth is […]

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          Equitable Growth through Financial Inclusion: Bhutan Economic Forum for Innovative Transformation

          30 Oct 2017

            Bhutan’s approach to development has always been founded on participatory and inclusive principles, driven by the country’s unique development philosophy of “gross national happiness”. Following this tradition, the Bhutan Economic Forum for Innovative Transformation (BEFIT) — held in Thimphu, Bhutan from May 24-26, 2017 — was inspired by His Majesty, King Jigme Khesar Namgyel Wangchuck’s vision that Bhutan’s successful democratic transition must be accompanied by successful economic transformation. Financial inclusion […]

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            Payment Services Directive II (PSD2) for FinTech and Payment Service Providers

            29 Sep 2017
            • HVG Law and Earnest & Young

            The introduction of the Payment Services Directive II (PSD2) will open up the payment services market by regulating the FinTech revolution currently happening on a community level. The EU-wide harmonization of online payments is aimed at increasing the security for payment transactions and account information and creating a level playing field to enhance competition. PSD2 introduces the Third Party Provider (TPP) as a definition to regulate new payment services. Two […]

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            Agent Network Accelerator Research: Pakistan Country Report September 2017

            28 Sep 2017
            • Imran Khan
            • Mimansa Khanna
            • Sidra Butt–Mughal
            • Vera Bersudskaya

            The Agent Network Accelerator (ANA) project is a four-year research project in the following eleven focus countries, managed and conducted by MicroSave/the HelixInstitute of Digital Finance. It is the largest research initiative in the world on mobile money agent networks, designed to determine their success and scale. Pakistan is among 11 African and Asian countries participating in this research project, selected for its contribution to the development of digital financial services globally. […]

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            Voice of the Client: Cambodia 2017

            28 Sep 2017
            • Jacqueline Foelster
            • Valeriia Ilginisova

            This report presents the findings of the Voice of the Client project in Cambodia, a ground-breaking initiative in the microfinance industry developed by Hivos and MIX to leverage mobile technologies as a means to analyze the level of satisfaction of clients with the suite of products and services offered by their financial service providers (FSPs). The analysis is based on data related to client protection principles which were collected from […]

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            Taking Blockchain Live: The 20 questions that must be answered to move beyond proof of concept

            25 Sep 2017

              In 2016, blockchain took giant steps forward in gaining wider acceptance, especially in areas such as cross-border payments and post-trade in capital markets. However, as Deloitte’s Eric Piscini pointed out earlier this year in CoinDesk, the fear is that if you “poll anyone in the financial services industry, they will likely tell you that the technology is still in need of its break-out moment. If significant headway isn’t made—or real […]

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              Digital Financial Services: Challenges and Opportunities for Emerging Market Banks

              25 Sep 2017
              • Matthew Saal, Principal Industry Specialist and Head of Digital Finance, Financial Institutions Group, IFC
              • Susan Starnes, Strategy Officer, Financial Institutions Group, IFC
              • Thomas Rehermann, Senior Economist, Thought Leadership, Economics and Private Sector Development, IFC.

              The digital transformation that has upended industries from retail and media to transport and business-to-business commerce is now sweeping the financial services industry, through the wide dissemination of digital financial services. This was inevitable, as ubiquitous computing power, pervasive connectivity, mass data storage, and advanced analytical tools can easily and efficiently be applied to financial services. After all, money was already extensively (though not exclusively) created, used, stored, processed, and […]

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