Publications

CDC GROUP COVID-19 GUIDANCE FOR EMPLOYERS

25 Mar 2020

    Every company is trying to understand how to manage their workers’ exposure to Coronavirus disease (COVID-19). As an employer and investor, CDC has access to a great deal of external guidance and good practice amongst our investees and fund managers on how to reduce their workforce exposure to COVID-19. This document is a summary of publicly-available guidance and examples of practice adopted by some CDC Group investees and fund managers. […]

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    DEVELOPING ARTIFICIAL INTELLIGENCE SUSTAINABLY: TOWARD A PRACTICAL CODE OF CONDUCT FOR DISRUPTIVE TECHNOLOGIES

    19 Mar 2020
    • Gordon Myers
    • Kiril Nejkov

    The adoption and diffusion of artificial intelligence and other disruptive technologies will play an important role in market creation and growth. Development finance institutions have a role to play in leveraging their investments to ensure that these technologies sustain both growth and development objectives. To this end, the authors propose adoption of a Technology Code of Conduct as a framework, supported by a set of practical tools for its operationalization, […]

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    COUNTRY DIAGNOSTIC: THE STATE OF DIGITAL PAYMENTS IN THE PHILIPPINES

    18 Feb 2020
    • Keyzom Ngodup Massally
    • Rodrigo Mejía Ricart
    • Malavika Bambawale
    • Swetha Totapally
    • Vineet Bhandari

    The Bangko Sentral ng Pilipinas (BSP) and the Philippine Government recognize digital payments as a policy priority to enable Filipinos to seize the opportunities of the digital revolution. The Philippines was a global early-mover in digital payments, with the launch of mobile money in 2001. However, as in most countries, the path to widespread adoption and usage has not been straightforward. The first Better Than Cash Alliance diagnostic on the state of […]

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    POWERING OPPORTUNITY IN EAST AFRICA: PROVING OFF-GRID SOLAR IS A POWER TOOL FOR CHANGE

    18 Feb 2020
    • Susie Wheeldon
    • Sjef Ketelaars
    • Emmanuel de Dinechin
    • Guillaume de Chorivit
    • Oliver Reynolds
    • Clémence Laevens

    Confirming the positive socioeconomic impact of solar home systems over a longer period of time, Powering Opportunity in East Africa. Proving Off-Grid Solar is a Power Tool for Change finds: An overwhelming majority (94%) of people living with solar home systems reporting improvements to their quality of life. 34% of households report being more economically active with 28% making an additional $46 per month on average. The research, funded by UK aid […]

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    CYBER SECURITY IN FINANCIAL SECTOR DEVELOPMENT: CHALLENGES AND POTENTIAL SOLUTIONS FOR FINANCIAL INCLUSION

    18 Feb 2020
    • Silvia Baur-Yazbeck
    • Judith Frickenstein
    • David Medine

    This paper assesses the relevance of cyber security for the development of inclusive financial systems in developing countries. The growing use of digital financial services and shared service platforms has increased the financial sector’s exposure to cyber risks. Financial service providers and their customers, regulators and supervisors are challenged with the increase in cyber threats – especially in emerging and developing countries with lower capacities and less resources. The paper […]

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    POLICY RESPONSES TO FINTECH: A CROSS-COUNTRY OVERVIEW

    10 Feb 2020
    • Johannes Ehrentraud
    • Denise Garcia Ocampo
    • Lorena Garzoni
    • Mateo Piccolo

    Technological innovations in financial services (fintech) are increasingly transforming the way financial services are provided. While fintech opens opportunities, it also comes with potential risks. Financial authorities have responded to fintech developments in various ways. Based on survey responses from around 30 jurisdictions, this paper provides a cross-country overview of policy responses to fintech developments. In addition, building on the work by global standard-setting bodies and other international organisations, the […]

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    THE ECONOMIC FORCES DRIVING FINTECH ADOPTION ACROSS COUNTRIES

    10 Feb 2020
    • Jon Frost

    Fintech is being adopted across markets worldwide – but not evenly. Why not? This paper reviews the evidence. In some economies, especially in the developing world, adoption is being driven by an unmet demand for financial services. Fintech promises to deliver greater financial inclusion. In other economies, adoption can be related to the high cost of traditional finance, a supportive regulatory environment, and other macroeconomic factors. Finally, demographics play an […]

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    DIGITAL CREDIT AUDIT REPORT: EVALUATING THE CONDUCT AND PRACTICE OF DIGITAL LENDING IN KENYA

    03 Feb 2020
    • Francis Gwer
    • Jack Odero
    • Edoardo Totolo

    Digital credit has been instrumental in granting formal credit in ways that were not conceivable a decade ago. It has provided individuals with the tools to manage their day-to-day needs and working capital for small enterprises. Survey data reveals that over six million Kenyans have borrowed at least one digital loan. Beyond these daily use-cases, digital credit is increasingly used to finance non- routine needs such as school fees and […]

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    BANKING THE NEXT BILLION: DIGITAL FINANCIAL INCLUSION IN ACTION

    30 Jan 2020
    • Ronit Ghose, CFA
    • Rahul Bajaj, CFA
    • Mohammed Khallouf, CFA
    • Ashwin Shirvaikar, CFA
    • Robert Annibale
    • Jorge Rubio Nava

    If you live in the developed world, have a think about the last time you went to your local bank branch. Did you feel fortunate to be there? Did you only really get excited if you were able to get in and out of the building in five minutes flat? How about making a payment online? That’s usually an infinitely better experience and time saver versus going to an actual […]

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    MAKING DATA WORK FOR THE POOR: NEW APPROACHES TO DATA PROTECTION AND PRIVACY

    23 Jan 2020
    • David Medine
    • Gayatri Murthy

    With the rise of digital technologies, the use of personal data by private companies is growing rapidly. But how do we know they will use this data responsibly and in consumers’ best interests? In emerging and developing markets, the question is particularly acute because the predominant model rests upon obtaining consumer consent to use their data. Informed consent, however, is unrealistic given the complexity of disclosures and particularly so in […]

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