Publications

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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      GLOBAL FINANCIAL DEVELOPMENT REPORT: BANKERS WITHOUT BORDERS

      20 Jun 2018

        Perhaps no sector than banking better illustrates both the potential benefits and perils of deeper international integration. In the wake of the global financial crisis, the globalization trend has been partially reversed, as multinational banks from developed countries—“the North”—have scaled back their international operations. On the other hand, developing country banks continued their international expansion, accounting for 60% of the new entry into foreign markets. In particular, “South–South” transactions— from […]

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        UGANDA COUNTRY ASSESSMENT ON AFFORDABLE AND ACCESSIBLE REMITTANCES FOR FORCIBLY DISPLACED PERSONS AND HOST COMMUNITIES

        20 Jun 2018

          Although the market for providing remittance services to refugees is large, financial service providers have found it difficult to develop a business case for targeting them. The cost of reaching and ensuring liquidity at their remote locations, uncertainty regarding acceptable identification, and limited information about refugees’ needs and abilities have limited the business case, leaving them without access to convenient, low-cost remittance services. As such, many refugees depend on expensive, […]

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