Publications

Distributed Ledger Technology (DLT) and blockchain

13 Apr 2018
  • Harish Natarajan
  • Solvej Krause
  • Helen Gradstein

The financial sector is currently undergoing a major transformation, brought about by the rapid development and spread of new technologies. The confluence of ‘finance’ and ‘technology’ is often referred to as ‘Fintech’, typically describing companies or innovations that employ new technologies to improve or innovate financial services. ‘Fintech’ developments are seen across all areas of the financial sector, including payments and financial infrastructures, consumer and SME lending, insurance, investment management, […]

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Case Study: Investing in Responsible Financial Inclusion – Profile of Smart Campaign Client Protection Certified Institutions

29 Mar 2018

    This report captures data from 89 financial service providers (FSPs) which were Smart certified as of July 2017. Some of the data was gathered from the database maintained by PRFI on its members as part of its work with the Smart Campaign. Assets, client reach (using active borrower), and portfolio-at-risk data was collected from the Mix Market, which publishes financial, operational and social performance data on over 1,300 FSPs and […]

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    Financial Inclusion in the Digital Age

    29 Mar 2018
    • Anju Patwardhan
    • Ken Singleton
    • Kai Schmitz

    Billions of adults across the globe lack access to the financial services they need to achieve even modest levels of financial well-being. Many households and small businesses in emerging markets have no or very limited access to formal financial services. Even in developed countries, they only have access to a limited menu of cost-effective products from financial institutions for addressing their financial needs. Over two billion unbanked adults in the […]

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    Regulating for Innovation

    22 Mar 2018
    • Nichola Beyers
    • Jeremy Gray
    • Christine Hougaard

    Why regulate for innovation? Innovation entails the introduction of new methods, ideas or products that offer greater efficiency or value in existing processes or products or that entirely redesign the existing ways of doing business or offering products. New technologies mean that innovation in the financial sector is happening at a faster and more prevalent rate than ever before. Innovation is fundamental to market development and enhancing value to consumers. […]

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    FATF Report to the G20 Finance Ministers and Central Bank Governors

    22 Mar 2018

      According to ASBA’s Survey on banking regulation and supervision expectations for 2018, de-risking is a regional priority, as well as the sound implementation of the anti-money laundering and counter-terrorism financing standards. The Financial Action Task Force (FATF) published the FATF Report to the G20 Finance Ministers and Central Bank Governors setting out the FATF’s recent and ongoing work to fight money laundering and terrorist financing, particularly in the following areas: […]

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      Modular Financial Services: The New Shape of the Industry

      21 Mar 2018
      • Chris Allchin
      • Matt Austen
      • Aaron Fine
      • Ted Moynihan

      Modular financial services may be an alarming prospect for today’s firms, especially those who are now vertically integrated “manufacturers” and have loyal – or at least inert – customers. Yet, properly managed, established firms can benefit through access to more customers, improving their offering, lower operating costs and a shift of resources to areas of strategic strength. For new entrants to banking and insurance, an industry with roughly $5.7 trillion of […]

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      From Trust to Loyalty: A Global Survey of What Investors Want 2016

      21 Mar 2018

        Since CFA Institute and Edelman last conducted the Investor Trust Survey in 2013, investors’ trust in the financial services industry to do what is right has generally increased. In addition, investors have a slightly more favorable view of the industry (61% for retail investors and 57% for institutional investors) versus the general population surveyed in the 2016 Edelman Trust Barometer (51%), but in both groups, financial services remains in the […]

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        Roadmap for the Future of Impact Investing: Reshaping Financial Markets

        21 Mar 2018
        • Amit Bouri
        • Abhilash Mudaliar
        • Hannah Schiff
        • Rachel Bass
        • Hannah Dithrich

        The Roadmap for the Future of Impact Investing: Reshaping Financial Markets presents a  vision for more inclusive and sustainable financial markets and articulates a plan for impact investing to lead progress toward this future. Specifically, the Roadmap details six categories of action to drive progress toward the vision. For each category, the Roadmap describes specific actions needed, which stakeholders should lead on these actions, and a timeframe. Enacting the plan will require […]

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        Digital Credit In Tanzania: Customer Experiences & Emerging Risks

        28 Feb 2018
        • Michelle Kaffenberger

        In June-August, 2017, CGAP, with inputs from FSD Tanzania, conducted surveys in Tanzania to identify customer experiences with digital credit, including uses of digital credit, emerging risks, and the size of the digital credit market. The surveys consisted of: Nationally representative phone survey (representative of phone owners), of N=4,574 Tanzanians. The sample was drawn from random digit dial technique, which relies on a randomly-generated list of mobile phone numbers in […]

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