Publications

DIGITAL IDENTITIES IN FINANCIAL SERVICES PART 2: RESPONSIBLE DIGITAL IDENTITIES, THE KEY TO CREATING MORE INCLUSIVE ECONOMIES

15 Oct 2019
  • Brad Carr
  • Conan French
  • Amin Khairy
  • Marcus Wimalajeewa

Financial service providers have an important and ever-increasing role in emerging digital identity ecosystems. The authors investigate the potential positive impacts digital identities can have on underserved markets and how financial institutions can help to responsibly and inclusively grow digital identities by adopting the latest emerging technologies. Financial institutions are well positioned to act as trusted, regulated players that can provide the building blocks for responsible digital identity initiatives by […]

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A2ii: 10 YEARS ON

09 Oct 2019
  • Hui Lin Chiew

In the 10 years since the Access to Insurance Initiative (A2ii) was established in 2009, the world has seen some good news. By 2011, the 1990 poverty rate had been cut in half, achieving the first Millennium Development Goal (MDG) ahead of schedule. There have been remarkable improvements in health outcomes. Education and literacy also made progress, overall as well as with reduced gender disparity in some cases.1 More people […]

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DISASTER RISK FINANCE – A TOOLKIT

09 Oct 2019
  • Conor Meenan
  • John Ward
  • Robert Muir-Wood

The purpose of this disaster risk toolkit is to provide practical guidance on how to choose which disaster risk finance instruments for which circumstance. The main audience is policymakers in developing countries who are responsible for disaster risk management, at national, regional and local levels. It is also intended to assist the development and humanitarian community who support developing country policymakers in disaster risk management and who, sometimes, either implicitly […]

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BEYOND KYC UTILITIES: COLLABORATIVE CUSTOMER DUE DILIGENCE

09 Oct 2019
  • Timothy Lyman
  • Louis De Koker
  • Chrissy Martin
  • Mehmet Kerse

The private and public sectors are increasingly leveraging new technologies to deliver collaborative approaches for financial service providers (FSPs) to meet customer due diligence (CDD) requirements. These include sharing data and elements of compliance functions on a level that was previously unthinkable. By pooling resources, these collaborative approaches have the potential to lower CDD costs and increase the effectiveness of anti-money laundering and counter financing of terrorism (AML/CFT) measures. This […]

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EMERGING EVIDENCE ON FINANCIAL INCLUSION: MOVING FROM BLACK AND WHITE TO COLOR

30 Sep 2019
  • Mayada El-Zoghbi
  • Nina Holle
  • Matthew Soursourian

Research on the impact of financial services on the lives of low-income people provides valuable insights. However, these studies tend to focus on microcredit or a single financial product, such as savings or mobile money. As a result, an overly simplistic and product-focused story has emerged. Recognizing the need for a more nuanced and clearer impact narrative, this Focus Note synthesizes evidence since 2014 and highlights three overarching insights: Financial […]

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A G7 PARTNERSHIP FOR WOMEN’S DIGITAL FINANCIAL INCLUSION IN AFRICA

30 Sep 2019

    African governments are at the forefront of efforts to harness digital technologies to build more inclusive economies. Double-digit growth in mobile phone ownership in the first half of this decade has triggered a surge of innovative digital tools and services across the continent. However, the benefits of the digital age are not being shared equally. Women—especially those living in poor and marginalized communities—are most likely to be on the wrong […]

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    CREDIT SCORING IN FINANCIAL INCLUSION: HOW TO USE ADVANCED ANALYTICS TO BUILD CREDIT-SCORING MODELS THAT INCREASE ACCESS

    30 Sep 2019
    • Maria Fernandez Vidal

    Statistical models can help lenders in emerging markets standardize and improve their lending decisions. These models define customer scoring based on a statistical analysis of past borrowers’ characteristics instead of relying on the subjective judgments of loan officers. Evidence shows that statistical models improve the accuracy of credit decisions and make lending more cost-efficient. They also help companies make key decisions throughout the customer lifecycle. Lenders sometimes assume that statistical […]

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    TAXING MOBILE PHONE TRANSACTIONS IN AFRICA: LESSONS FROM KENYA

    30 Sep 2019
    • Njuguna Ndung’u

    REPORT ABSTRACT Taxation on mobile phone-based transactions and on airtime has been introduced in Kenya and is spreading to other African countries. Some countries in sub-Saharan Africa view mobile phones as a booming subsector easy to tax due to the increasing turnover of transactions and the formal nature of such transactions by both formal and informal enterprises. The increasing tax burden on the subsector and the consumers, though, has raised […]

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    THE DIGITAL LIVES OF REFUGEES: HOW DISPLACED POPULATIONS USE MOBILE PHONES AND WHAT GETS IN THE WAY

    30 Sep 2019
    • Jenny Casswell

    GSMA’s new research, produced with UNHCR, looks at the ways in which refugees are using mobile phones to help guide digital interventions by humanitarian organisations and mobile network operators. The research identifies key trends and insights from Bidi Bidi settlement (Uganda), Kiziba camp (Rwanda) and urban settings in Jordan. Originally published on GSMA’s website.

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    ID4D PRACTITIONER’S GUIDE: DRAFT FOR CONSULTATION

    28 Aug 2019
    • Julia Clark

    This Guide was created by the World Bank Group’s Identification for Development (ID4D) Initiative to help practitioners design and implement identification (ID) systems that are inclusive and trusted—in accordance with the ten Principles on Identification for Sustainable Development and other international standards and best practices. It is intended to serve as a central resource for country counterparts, World Bank Group staff, and other actors involved in planning, managing, and financing […]

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