Publications

DRIVING DIGITAL FINANCIAL SERVICES THROUGH HIGH-VOLUME PAYMENTS

10 Dec 2018

    The future success of inclusive digital finance depends on finding better and more affordable uses for digital wallets that will encourage low-income customers to use them regularly and repeatedly. High-volume payments (HVP) have gained industry attention as a means to drive or diversify usage, particularly among low-income customers. To better understand the prerequisites to implement HVP digitally and to unlock the opportunity of digital finance, the UN Capital Development Fund […]

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    FINANCIAL CONSUMER PROTECTION AND NEW FORMS OF DATA PROCESSING BEYOND CREDIT REPORTING

    10 Dec 2018
    • Rosamund Clare Grady
    • Fredesvinda F. Montes Herraiz
    • Marco Traversa

    New sources of data, as well as new ways of processing such data, have contributed to an ongoing expansion in the availability of digital financial services (DFS) to served, underserved, and unserved consumers. Such data is being used to design and market customer-centric digital financial services, create credit scores for consumers with limited credit histories, meet and facilitate know-your-customer requirements, and minimize the risk of fraud. Yet a great variety […]

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    BEYOND THE BASICS: HOW SMARTPHONES WILL DRIVE FUTURE OPPORTUNITIES FOR THE MOBILE MONEY INDUSTRY

    12 Nov 2018
    • Belinda Baah
    • Nika Naghavi

    Technology is changing the way we access a range of products and services, from viewing digital content to paying for goods and services via our mobile phones. The proliferation of mobile internet and smartphone access in emerging markets is creating new and exciting opportunities to narrow the digital inclusion gap and an opportunity for mobile money providers to leverage the added benefits of smartphones. This publication is part of a […]

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    GLOBAL MICROSCOPE 2018: THE ENABLING ENVIRONMENT FOR FINANCIAL INCLUSION

    12 Nov 2018

      The Global Microscope is a benchmarking index that assesses the enabling environment for financial access in 55 countries. The research underscores the evolving landscape of financial inclusion itself. This year’s index was completely revised to take a forward-looking focus on digital financial services, and to address the critical role of financial inclusion envisioned in the Sustainable Development Goals (SDGs). This report was originally published on the EIU’s website. 

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      THE DIGITAL FINANCIAL SERVICES FOR AGRICULTURE HANDBOOK

      12 Nov 2018
      • Lesley Denyes
      • Nicholas Lesher
      • Meritxell Martinez
      • Hamilton McNutt
      • Mandana Nakhai

      This handbook offers financial services providers an understanding of smallholder farmers and agricultural value chains, and practical guidance on how to develop and launch sustainable financial services for the agricultural sector. It surveys the current landscape in terms of existing DFS offerings in the agricultural sector, to share actual market experience and lessons learned from the pioneers in the market. Although financial inclusion has expanded dramatically in Sub-Saharan Africa over […]

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      FINTECH FOR FINANCIAL INCLUSION | A FRAMEWORK FOR DIGITAL FINANCIAL TRANSFORMATION

      11 Oct 2018
      • Douglas W. Arner
      • Ross P. Buckley
      • Dirk A. Zetzsche

      The full potential of FinTech for financial inclusion may be realized with a strategic framework of underlying infrastructure and an enabling policy and regulatory environment to support digital financial transformation.  Drawing from experiences in a range of developing, emerging and developed countries, our research suggests that the best approach is staged and progressive, focused on four main pillars. This is a major journey for any economy, but one that experience […]

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      RESPONSIBLE USE OF PERSONAL DATA AND AUTOMATED DECISION-MAKING IN FINANCIAL SERVICES

      10 Oct 2018
      • Michael Rothe
      • Alexander Dix
      • Tim Ohlenburg

      The opportunities and risks presented by innovative digital finance solutions are two sides of the same coin, with digitisation holding enormous potential for advancing financial inclusion in innovative ways in developed and developing economies alike. Digital financial services (DFS) are deemed to be a huge game changer, especially in sub-Saharan Africa where the number of individuals making use of digital payments increased by 68.5 million from 2014 to 2017. With […]

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      FINANCE FOR ALL | WEDDED TO FINTECH, FOR BETTER OR WORSE

      01 Sep 2018

        Technology risk is high in financial inclusion market The following press release was originally published on CSFI’s website.  Survey identifies potential pitfalls New technology is delivering considerable benefits to the financial inclusion market – but is also creating new risks that service providers need to manage if they are to succeed. This is the main conclusion of a new survey of the risks (or Banana Skins) in the provision of […]

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        DIGITAL CREDIT IN KENYA

        23 Aug 2018
        • Anup Singh

        Digital Credit is growing rapidly and is democratizing credit with instant, automated, and remote processes, meeting short-term liquidity needs of low- and middle-income populations. Digital credit, at the onset, has demonstrated financial outreach – offered even to credit invisible customers, who do not have an account ownership or a credit history. This presentation focuses on the digital credit landscape in Kenya.

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        ACHIEVING DEVELOPMENT AND ACCEPTANCE OF AN OPEN AND INCLUSIVE DIGITAL PAYMENTS INFRASTRUCTURE

        20 Aug 2018
        • Carol Benson
        • Roelof Goosen
        • Camilo Tellez

        A report by the Better Than Cash Alliance for the G20 Global Partnership for Financial Inclusion This guidance note serves as input for the GPFI Policy Guide developed under Argentine Presidency 2018 with the overarching topic of digitization and informality. Developed for financial inclusion policymakers and payment service regulators, it proposes policy options and practical actions that can help moving toward developing open and inclusive digital payment infrastructures, while also […]

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