Publications

EARLY LESSONS ON REGULATORY INNOVATIONS TO ENABLE INCLUSIVE FINTECH: INNOVATION OFFCES, REGULATORY SANDBOXES, AND REGTECH

31 Oct 2019

    A priority of the UNSGSA’s advocacy on technology-enabled innovation in financial services is to encourage good regulatory practices for FinTech. To ensure that FinTech is inclusive, safe, and responsible, it is vital that regulators have access to reputable advice when assessing, selecting, and implementing regulatory options. Over the past three years, regulators in advanced, emerging, and developing economies have developed a number of promising initiatives to regulate and adapt regulatory […]

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    UNSGSA ANNUAL REPORT TO THE SECRETARY-GENERAL SEPTEMBER 2019

    30 Oct 2019

      The Special Advocate’s new annual report highlights key areas of focus, initiatives and country visits over the last year, as well as features a special section focusing on a decade of progress in financial inclusion. See more on UNSGSA’s website.

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      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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