Publications

TAXING MOBILE PHONE TRANSACTIONS IN AFRICA: LESSONS FROM KENYA

30 Sep 2019
  • Njuguna Ndung’u

REPORT ABSTRACT Taxation on mobile phone-based transactions and on airtime has been introduced in Kenya and is spreading to other African countries. Some countries in sub-Saharan Africa view mobile phones as a booming subsector easy to tax due to the increasing turnover of transactions and the formal nature of such transactions by both formal and informal enterprises. The increasing tax burden on the subsector and the consumers, though, has raised […]

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THE DIGITAL LIVES OF REFUGEES: HOW DISPLACED POPULATIONS USE MOBILE PHONES AND WHAT GETS IN THE WAY

30 Sep 2019
  • Jenny Casswell

GSMA’s new research, produced with UNHCR, looks at the ways in which refugees are using mobile phones to help guide digital interventions by humanitarian organisations and mobile network operators. The research identifies key trends and insights from Bidi Bidi settlement (Uganda), Kiziba camp (Rwanda) and urban settings in Jordan. Originally published on GSMA’s website.

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ID4D PRACTITIONER’S GUIDE: DRAFT FOR CONSULTATION

28 Aug 2019
  • Julia Clark

This Guide was created by the World Bank Group’s Identification for Development (ID4D) Initiative to help practitioners design and implement identification (ID) systems that are inclusive and trusted—in accordance with the ten Principles on Identification for Sustainable Development and other international standards and best practices. It is intended to serve as a central resource for country counterparts, World Bank Group staff, and other actors involved in planning, managing, and financing […]

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FINTECH NOTES: THE RISE OF DIGITAL MONEY

15 Aug 2019
  • Tobias Adrian
  • Tommaso Mancini Griffoli

This paper marks the launch of a new IMF series, Fintech Notes. Building on years of IMF staff work, it will explore pressing topics in the digital economy and be issued periodically. The series will carry work by IMF staff and will seek to provide insight into the intersection of technology and the global economy. The Rise of Digital Money analyses how technology companies are stepping up competition to large […]

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BASIC BUSINESS MODELS FOR BANKS PROVIDING DIGITAL FINANCIAL SERVICES IN AFRICA

15 Aug 2019
  • Lesley Denyes

Digital Financial Services have progressed rapidly since the first mobile-money services in East Africa a decade ago. Their early success in Kenya and Tanzania sent telecom firms, banks, technology firms, and development institutions scrambling to launch similar services. Yet many or most of these new services found only limited success of their own. The process delivered valuable lessons to the industry, however, including insights about scale, effective engagement models, the […]

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THE ROLE OF DIGITAL FINANCIAL INCLUSION IN PREPARING FOR OLDER AGE AND RETIREMENT

12 Aug 2019
  • Leora Klapper
  • Jake Hess

As populations age and birth rates decline in many parts of the world, digital solutions have an important role to play in ensuring financial well-being for older adults. Globally, the number of people aged 60 years or over has more than doubled since 1980, and the share of older adults is projected to double again by 2050. This paper, jointly released by the Better Than Cash Alliance and the World […]

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PRIVATE SECTOR & REFUGEES: PATHWAYS TO SCALE

22 May 2019
  • Danielle Berfond
  • Soa Andrian
  • Jiyeon Janice Ryu

Rampant wars, conflict, and persecution are driving the world’s displaced population to record high numbers. According to United Nations High Commissioner for Refugees (UNHCR), by the end of 2017, more than 68 million people worldwide were forcibly displaced—more than the entire population of the United Kingdom. More than a third of displaced persons have become refugees, seeking safety across international borders. A new IFC study—Private Sector & Refugees: Pathways to […]

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2019 ACCENTURE GLOBAL FINANCIAL SERVICES CONSUMER STUDY

20 May 2019
  • Piercarlo Gera
  • Alan McIntyre
  • Erik Sandquist

In brief Our consumer study, one of the largest of its kind, offers banks and insurers deep insights into their customers’ attitudes and preferences. Banking and insurance customers are more willing than ever to share data—if their needs are met in return. We identified four consumer personas that vary based on how they value banking and insurance offers and services. Personalization: The expected prize for consumers’ data What do banking […]

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FINTECHS AND FINANCIAL INCLUSION: LOOKING PAST THE HYPE AND EXPLORING THEIR POTENTIAL

20 May 2019
  • Gayatri Murthy
  • Maria Fernandez-Vidal
  • Xavier Faz
  • Ruben Barreto

Fintechs are innovating at every step of the financial services value chain, often through new value propositions, including flexible products and better ways to address the financial challenges faced by low-income customers. They are making financial services more affordable and accessible. They are improving the customer experience of financial services and accelerating use and engagement. They are also building the groundwork—including easier digital identity verification, collaborative customer due diligence, data […]

FINANCIAL INCLUSION BEYOND PAYMENTS: POLICY CONSIDERATIONS FOR DIGITAL SAVINGS

20 May 2019
  • Oya Ardic
  • Ivor Istuk
  • Helen Gradstein
  • Loretta Michaels
  • Jeffrey Allen

  Copyright: World Bank Group Maintenance fees, minimum balance requirements, and high indirect access costs often keep low-income individuals from saving with financial institutions. Can digital financial services be the solution to their long-term saving? Across the developing world, financial institutions have leveraged digital technologies and innovative business models to expand access to digital financial services (DFS), such as digital transaction accounts and payment services, which serve as the gateway […]

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