Publications

SAFEGUARDING RULES FOR CUSTOMER FUNDS HELD BY EMIs: A TECHNICAL NOTE

06 Feb 2019
  • Mehmet Kerse
  • Stefan Staschen

Technical note exploring regulatory options for protecting consumers’ mobile money The proliferation of nonbank electronic money issuers (EMIs) presents opportunities for financial inclusion for poor people by expanding the reach of financial services and enabling poor customers to participate in their country’s economy. However, with these benefits come important risks, including loss of customer funds and unavailability of customer funds upon demand. Inability to access funds upon demand may be due […]

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CGAP FUNDER SURVEY 2017: TRENDS IN INTERNATIONAL FUNDING FOR FINANCIAL INCLUSION

06 Feb 2019
  • Olga Tomilova
  • Eda Dokle

Annual survey shows increased commitments and integration into sustainable development agenda One of the key takeaways from the latest CGAP Funder Survey is that international funders committed $42 billion to financial inclusion in 2017—a double-digit percentage increase from the prior year. For the first time in five years, public funding has grown faster than private funding. At the same time, the nature of funders’ engagement is shifting to reflect their […]

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THE GLOBAL RISKS REPORT 2019

06 Feb 2019
  • Aengus Collins

The 14th edition of the Global Risks Report, prepared by the World Economic Forum with the support of Marsh & McLennan Companies and other partners, examines the evolving macro-level risk landscape and highlights major threats that may disrupt the world in 2019 and over the next decade. The Global Risks Report 2019 John Drzik, President, Global Risk and Digital, Marsh The most striking aspect of this year’s report is the […]

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THE STATE OF MICROINSURANCE 2018: THE INSIDER’S GUIDE TO UNDERSTANDING THE SECTOR

16 Jan 2019

    There are just 12 years remaining to achieve the UN Sustainable Development Goals (SDGs), and urgent action is needed if no-one is to be left behind. This report, and future editions, will focus on providing concrete examples of how inclusive insurance is contributing to the broad development agenda in a structured way that links directly to selected SDGs. It builds on work published by Microinsurance Network (MiN) members in the […]

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    DIGITAL FINANCE AND DATA SECURITY

    16 Jan 2019
    • Patrick Traynor

    Mobile phones and networks are transforming the world of finance, creating opportunities for widespread financial inclusion, especially among neglected regions and groups. Security and privacy should be among the most important considerations when building digital finance systems. Credit decisions are often based on sensitive information and online finance offerings are no exception. The sensitivity of this information gives rise to a series of critical questions for customers: To whom am […]

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    CASH DIGITIZATION: UN COLLABORATION, COORDINATION, AND HARMONIZATION OPPORTUNITIES

    16 Jan 2019
    • Antoine Berthaut
    • Bertrand Ginet
    • Sebastian di Paola
    • Tobias Thayer

    In a rapidly evolving humanitarian landscape — marked by more frequent crises, protracted conflicts, and climate shocks, among other challenges — cash-based transfers are on the rise. The humanitarian community increasingly looks to cash-based transfers for their ability to strengthen the resilience of populations and support longer-term development goals, and particularly to digital solutions that can drive financial inclusion and economic activity within a community. However, cash-based transfers are generally not […]

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    AN EMERGING BUSINESS CASE FOR CONSUMER PROTECTION

    15 Jan 2019

      More than 100 financial service providers (FSPs) have been Smart Certified since 2013. The decision to become Smart Certified is often driven by an institution’s social commitment rather than influenced by the potential to have stronger financial results as a consequence of improved policies and processes. This paper evaluates key performance indicators (KPIs) of 22 FSPs that obtained certification between 2013 and 2015, highlighting outreach, portfolio quality and internal efficiency […]

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      GRANTING ACCESS: LEVERAGING SOCIAL PAYMENTS TO EXPAND DIGITAL FINANCIAL INCLUSION IN COTE D’IVOIRE

      14 Dec 2018
      • Christopher Tullis
      • Heba Elgazzar
      • Kokoevi Sossouvi
      • Meritxell Martinez

      Granting Access: Leveraging Social Payments to Expand Digital Financial Inclusion in Cote d’Ivoire captures the experience of piloting digital social grant payments in Cote d’Ivoire and concludes that merely paying social benefits into a digital account is not sufficient to lead to lasting financial inclusion, but that coupled with additional activities such as financial literacy campaigns and expanded agent networks it can have a positive impact on expanding adoption of […]

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      WOMEN AND DIGITAL FINANCIAL SERVICES IN SUB-SAHARAN AFRICA: UNDERSTANDING THE CHALLENGES AND HARNESSING THE OPPORTUNITIES

      14 Dec 2018
      • Richard Chamboko
      • Soren Heitmann
      • Morne Van Der Westhuizen

      Women and Digital Financial Services in Sub-Saharan Africa: Understanding the Challenges and Harnessing the Opportunities draws on several studies over the past six years and shows that there are pronounced differences in the way men and women engage financial services in Sub-Saharan Africa. The researchers recommend that providers offer simplified services for basic phones, emphasize marketing through social networks, and mimic the flexibility and social aspects of informal services to better […]

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      BANKING ON THE FUTURE: YOUTH AND DIGITAL FINANCIAL SERVICES IN SUB-SAHARAN AFRICA

      14 Dec 2018
      • Soren Heitmann
      • Zenobia Peterson
      • Johannes Kinzinger

      Banking on the Future: Youth and Digital Financial Services in Sub-Saharan Africa summarizes insights on youth uptake and usage of DFS from a cross-section of studies over the last six years, and recommends, for example, that providers can better reach out to the youth by offering savings accounts, checking or prepaid accounts, and micro loans.

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