Publications

INCLUSIVE FINTECH 50: ELEVATING EARLY-STAGE FINTECHS DRIVING FINANCIAL INCLUSION

16 Dec 2019
  • Nikhil Gehani
  • Marie Valdez
  • Blaine Stephens

Fintech investment is booming. In 2018, a record USD 111.8 billion1 was invested in fintech, and the sector garnered extensive media coverage and interest. But despite fintech’s growing profile—and even though it can help unlock trillions of dollars in value by reaching financially underserved households and businesses—fintech solutions have yet to reach the majority of the financially excluded. It is against this backdrop that we at MIX worked with MetLife […]

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CITI GPS: DIGITIZING GOVERNMENT

16 Dec 2019
  • Julie Monaco
  • Gary Schneider
  • Kathleen Boyle
  • Naveed Sultan
  • Charlotte Branfield

Digital technologies — especially connectivity, big data, and artificial intelligence, among others, are transforming every facet of the economy. With public sector expenditure in most countries accounting for anywhere from one-third to two-thirds of gross domestic product (GDP), it has become an imperative for governments to actively drive digitization efforts. Governments are beginning to play a key role in the digitization of their country’s economy which is impacting industry and […]

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HARNESSING DIGITALIZATION IN FINANCING OF THE SUSTAINABLE DEVELOPMENT GOALS

16 Dec 2019
  • Simon Zadek
  • Tillman Bruett

This Progress Report is presented to the Secretary-General by the Task Force Co-Chairs. Although still at an exploratory stage, it points to progress in harnessing digitalization for the acceleration of financing of the SDGs and to a small number of areas that offer scope for opportunities at scale. The Task Force will publish the final report in early 2020.

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COMPASS NOTE 70: HOW INSURTECH CAN CLOSE THE PROTECTION GAP IN EMERGING MARKETS

16 Dec 2019
  • Susan Holliday

Insurance technology, better known as Insurtech, is a rapidly growing industry that is beginning to disrupt traditional insurance provision in advanced and emerging economies alike, and is creating opportunities and challenges for incumbents, start-ups, and investors. The opportunity offered by insurtech is particularly significant in emerging markets, where a large “protection gap” exists due to low insurance penetration. This has major development implications due to the fact that economic growth […]

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FAIR PLAY: ENSURING COMPETITION IN DIGITAL FINANCIAL SERVICES

11 Dec 2019
  • Matthew Soursourian
  • Ariadne Plaitakis

In many emerging economies, digital financial services markets are limited to one or two major providers, reducing innovation, customer choice and potentially facilitating monopolistic or cartelistic behavior. Why are DFS markets prone to concentration? Is this a problem? In this primer, CGAP applies a framework to help answer these questions and demonstrate how regulation can have a substantial impact on competitive dynamics in the DFS marketplace. The paper also proposes regulatory […]

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FINTECH: THE EXPERIENCE SO FAR

11 Dec 2019

    The Bali Fintech Agenda (BFA) was approved last year by the IMF and World Bank Group. It lays out key issues to consider in how technological innovation is changing the provision of financial services with implications for economic efficiency and growth, financial stability, inclusion, and integrity. In approving the BFA, IMF Executive Directors asked staff to review fintech developments and consider their implications within the mandates of the IMF and […]

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    THE DIRTY FOOTPRINT OF THE BROKEN GRID

    09 Dec 2019

      Around the world, nearly 1 billion people live without access to electricity, and about 840 million more live with unreliable and intermittent service from electric grids. For many of them, fossil fuel backup generators are the only source of power. But these machines offer a problematic, intermediate solution: their cost of operation is high, they fill neighborhoods and cities with noise pollution, and the exhaust is hazardous to health and […]

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      GLOBAL MICROSCOPE 2019: THE ENABLING ENVIRONMENT FOR FINANCIAL INCLUSION

      25 Nov 2019

        The Global Microscope assesses the enabling environment for financial inclusion across 5 categories and 55 countries. In this 2019 edition, the EIU examines how countries are promoting financial inclusion for both women and men, 11 new gender-focused indicators have been added to the framework. The Microscope was originally developed for countries in the Latin American and Caribbean regions in 2007 and was expanded into a global study in 2009. Most […]

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        STARTUP KINGDOM: CAMBODIA’S VIBRANT TECH STARTUP ECOSYSTEM IN 2018

        25 Nov 2019
        • Bora Kem
        • Jolyda Sou
        • Zoë Ng
        • Penhleak Chan

        In the wake of the fourth industrial revolution, startups and the technology sector need to be a critical part of the Cambodian economy to achieve aspirations of becoming an upper-middle income economy by 2030. Although the country has experienced strong GDP growth of 7% per annum, its primary growth sectors are at risk. With an economy dominated by agriculture, textile and manufacturing, the country needs to look to alternative sectors […]

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        PRINCIPLES TO PROMOTE FAIRNESS, ETHICS, ACCOUNTABILITY AND TRANSPARENCY (FEAT) IN THE USE OF ARTIFICIAL INTELLIGENCE AND DATA ANALYTICS IN SINGAPORE’S FINANCIAL SECTOR

        25 Nov 2019

          This document provides firms offering financial products and services with a set of foundational principles on the responsible use of artificial intelligence and data analytics (AIDA). The Principles also help firms to strengthen internal governance around data management and use, fostering greater public confidence and trust in the use of AIDA. Originally published on MAS’s website.

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