Publications

An Inclusive Approach to Digital Payments Ecosystems: Accelerating the Transition from Cash Requires an Ecosystem Approach

09 Aug 2015

The purpose of this working paper is to set out the key components and stakeholders in a digital payments ecosystem (DPE); to show how inclusive DPEs are vital in the transition from cash to digital payments; and to describe the key conditions for successfully building an inclusive DPE. A digital payments ecosystem is achieved when all participants are connected in an electronic payments network based on shared and open standards, […]

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Microinsurance Network Annual Report 2014

05 Aug 2015

The Microinsurance Network’s vision is for a world where people of all income levels are more resilient and less vulnerable to daily and catastrophic risks. It is the Network’s belief that approaches based on insurance principles are the best way to provide access to risk management tools providing value for billions of people and small businesses. The Network is leading the sector in bringing together multi-stakeholder microinsurance experts to facilitate […]

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By the Numbers: Benchmarking Progress Toward Financial Inclusion

29 Jul 2015
  • Sonja E. Kelly
  • Elisabeth Rhyne

Can the world achieve full financial inclusion by 2020? It is an audacious question, but one well worth considering, especially in light of a recent wave of commitments by public and private actors. Through the Financial Inclusion 2020 project, the Center for Financial Inclusion at Accion (CFI) has been examining this question for several years. In this report, CFI takes a quantitative look at recent progress around the world and […]

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First National Symposium on Financial Literacy in Nigeria

29 Jul 2015

This event, which has been organized by DIN aims to ensure that financial literacy is prioritized within the regulatory frameworks for the financial markets in Nigeria and that financial institutions on their own part equally promote financial literacy as part of their good governance as it relates to their clients. Although, there is no single, uniform definition of financial literacy, it is commonly accepted that it describes the ability to […]

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Self Help Group Bank Linkage: Through the Responsible Finance Lens

21 Jul 2015
  • Parul Agarwal
  • Misha Sharma
  • Amulya Krishna Champatiray

A Study on State of Practice in SHG Bank Linkage in Madhya Pradesh, Bihar and Karnataka The self-help group (SHG) program, which began as a women’s empowerment initiative in the 1980’s added a significant component in 1992, when a NABARD initiative linked a small number of SHGs with banks. In India today, there are over 73.18 lakh savings-linked SHGs and 44.51 lakh credit linked SHGs, covering approximately 95 million households1. SHGs […]

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Responsible Finance Forum V: Responsible Digital Finance Outcomes Report

20 Jul 2015

Digital finance is now widely recognized as one of the most powerful tools to reach financial inclusion targets at low cost, to create opportunities for people in remote communities, to provide them with the financial tools and services to grow their businesses, and to enable them to channel more household resources into education, health, and other key household expenses and investments. As the market for digital finance expands, it is […]

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Report on Human Resource Management in Microfinance Institutions: The State of Practice

19 Jul 2015

Many MFIs have set up robust HR systems and practices over time; however other MFIs still need to invest in this area. Post the crisis, due to the RBI’s guidelines for NBFC‐MFIs to comply with (particularly the stipulated margin cap), MFIs are further constrained to reduce costs with obvious implications on costs of hiring, training and retaining human resources. While it is accepted that the most important cornerstone of responsible […]

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Can the digitalization of microinsurance make all the difference?

18 Jul 2015
  • Jeremy Leach
  • Tyler Tappendorf

Microinsurance or ‘inclusive insurance’ receives very different reactions from financial inclusion advocates depending on whom one talks to. Some believe that microinsurance has reached the tipping point whilst others claim that the business case is still not proven. Over the last decade, there have indeed been many false starts and failures. First Micro Insurance Agency (FMIA), a microinsurance intermediary in Pakistan, was closed down in 2011; MicroEnsure, a global microinsurance […]

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Fighting poverty, profitably

16 Jul 2015

Transforming the economics of payments to build sustainable, inclusive financial systems The Gates Foundation’s Financial Services for the Poor program (FSP) believes that effective financial services are paramount in the fight against poverty. Nonetheless, today more than 2 billion people live outside the formal financial sector. Increasing their access to high quality, affordable financial services will accelerate the well-being of households, communities, and economies in the developing world. One of the most […]

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Corporate and SME experiences of digitizing business payments in the Philippines

15 Jul 2015
  • James Hokans

The BTCA Country Diagnostic for the Philippines, completed in 2013, found that while many medium and large businesses paid their employees digitally, very few business-to-business payments were made digitally. This case study builds the evidence base regarding business payments in the Philippines, the incentives businesses face, and what it would take to shift corporates decisively to digital payments. The case draws on in-depth interviews with commercial banks and Filipino corporates, […]

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