Publications

Lessons from the Spanish and Other Crisis That Should Not Be Forgotten

29 Oct 2014
  • Aristobulo de Juan

The Spanish financial crisis was a crisis of saving banks. In 2007, these institutions had a market share of around 50% of the total system. Saving banks had been set up by Foundations in the XIX and XX centuries and did not have a clear owner who could control management. “When nobody owns, nobody cares”. It was a crisis of insolvency, perceived and initially treated as one of liquidity, as […]

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What Human-Centered Design Means for Financial Inclusion

01 Oct 2014
  • Yanina Seltzer
  • Claudia McKay

Well-established in other industries but relatively new to financial inclusion, human-centered design (HCD) is a process built on learning directly from customers in their own environments. The process challenges financial providers to understand, create, evolve, and test possible solutions and repeat the cycle for as many times as it takes. CGAP has experimented with seven HCD projects in eight countries. We brought leading design firms to work with banks, telecos, […]

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Organising Exchange and Learning Events – The Example of a Financial Consumer Protection Workshop

26 Aug 2014

    This practical guidance note summarizes lessons learned in terms of organizing an exchange and learning event among policymakers in the area of financial consumer protection (FCP). The guidance note is directed at policy advisors who would like to use exchange and learning events as a strategic instrument in policy advisory projects. The Guidance Note focuses on the practical question of what methodology for such an event provides the best possible […]

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    Applying Behavioral Insights in Consumer Protection Policy

    26 Aug 2014
    • Rafe Mazer
    • Katharine McKee
    • Alexandra Fiorillo

    Policy makers in emerging markets and developing economies (EMDEs) can draw on new consumer and behavioral findings and research tools to develop policies that better protect financial consumers while enabling advances in financial inclusion. By seeking to understand how personal, social, and environmental factors shape human behavior, behavioral research helps to reveal why individuals do not always act as one would expect or as they themselves intended to, and sometimes […]

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    Consumer Protection Regulation in Low-Access Environments: Opportunities to Promote Responsible Finance

    26 Aug 2014
    • Laura Brix
    • Katharine McKee

    Responsible finance is much in the news these days, as the fallout from irresponsible financial practices and products in the United States and other developed markets continues to affect global finance. Regulatory failure clearly played a role in the meltdown of the financial system. One silver lining of the global financial crisis is that more attention is being paid to financial consumer protection. Debates in the legislatures and central banks […]

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    Voting the Double Bottom Line: Active Governance by Microfinance Equity Investors

    26 Aug 2014
    • Katherine McKee

    Socially oriented equity investors—particularly those that take formal roles in the governance of microfinance service providers and funds—face challenging situations and decisions. Equity investing requires active governance—and this is particularly true for value-based investing because value-based investors seek to guide the company so that it behaves responsibly and creates both financial and social returns. Again and again in the course of research, those involved in microfinance institution (MFI) governance have […]

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    Electronic G2P Payments: Evidence from Four Lower-Income Countries

    26 Aug 2014
    • Jamie M. Zimmerman
    • Kristy Bohling
    • Sarah Rotman Parker

    Increasingly, governments and donors are looking to move their social cash transfer payments from cash to electronic and, in some cases, incorporate financial inclusion objectives into these payment schemes. This momentum toward electronic payments (e-payments) rests on the promise of improving transparency, decreasing costs, and reducing leakage on the one hand, and facilitating value-added services through financial access on the other. In 2012, the CGAP Focus Note “Social Cash Transfers […]

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    Credit Reporting Knowledge Guide

    26 Aug 2014

      In 2001, the International Finance Corporation (IFC) launched the Global Credit Bureau Program, later renamed the Global Credit Reporting Program, to better reflect the nature of its operations. The objective of this second edition of the Credit Reporting Knowledge Guide is to disseminate best practices in credit reporting development, and to contribute to credit information sharing in emerging markets. Since the program was launched, it has helped develop favorable credit […]

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