Tools & Frameworks

Affordable and Accessible Remittance Services for Refugees: A Toolkit

Yanina Seltzer, Kim Wilson , Pamela Eser and Amil Aneja
18 June 2018
The United Nations Capital Development Fund (UNCDF) developed this toolkit in collaboration with Bankable Frontier Associates (BFA). This work was supported by the United Nations High Commissioner for Refugees (UNHCR) through a grant to UNCDF. Implementing the toolkit will inform strategy development and approaches that humanitarian and development agencies may adopt to address unique barriers and constraints, especially those experienced by forcibly displaced people in accessing regulated remittance channels at […]

Investing in Responsible Digital Financial Services Part I – Overview of Guidelines

30 May 2018
This is a first draft of the Guidelines (Overview – Part I) and remains work-in-progress as digital financial services is a rapidly evolving space. The Guidelines for “Investing in Responsible Digital Financial Services” (Investor Guidelines) strive to proactively implement evolving standards of the G20 High Level Principles for Digital Financial Inclusion (G20 HLPs) which was launched in 2016 with China as holder of the G20 Presidency. The G20 HLPs were developed by […]
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Investing in Responsible Digital Financial Services Part II – Proposed Actions and Selected References

30 May 2018
This is a draft of the Guidelines (Part II – Proposed Actions and References) and remains work-in-progress as digital financial services is a rapidly evolving space, and will continue to evolve with emerging investor experience and industry evidence.  “Investing in Responsible Digital Financial Services Part II – Proposed Actions and References” provides greater context for the application of each Guideline as well as potential actions signatories might take. Part II also includes […]
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Investor Guidelines (Annex 1) – Due Diligence Tool Draft Version 1.0

16 April 2018
This draft (Annex I – Due Diligence Tool V.1) remains work-in-progress as digital financial services is a rapidly evolving space. Developed by Investor Guidelines Working Group members, the purpose of this Due Diligence tool is to examine potential risks to consumers from digitally delivered financial products and services for the unbanked and/or underserved. Based on actual projects and portfolios as well as evolving industry and global evidence, it is intended to be […]
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Investor Guidelines (Annex II) – Comprehensive Risk Assessment Matrix Draft Version 1.0

16 April 2018
This is a draft (Annex II – Comprehensive Risk Matrix V.1) and remains work-in-progress as digital financial services is a rapidly evolving space. Developed by Investor Guidelines Working Group members, the Risk Assessment Matrix provides a comprehensive summary of emerging risks in digital financial services as well as their sources, impacts and potential mitigants across constituents and stakeholders in DFS ecosystems.  These initial risks were identified based on current projects and recent evidence.  Annex […]
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Corporate Governance for Financial Inclusion – Managing Current Issues, Crisis and Change

Matthew Brown, Lory Camba Opem, Stephan Hartenstein, David Kruijff and Ira Lieberman
30 March 2018
IFC’s report reflects on over 20 years of experience in the evolution of microfinance and the potential for responsible digital financial inclusion through a comprehensive analysis of evolving risks and opportunities facing the financial inclusion industry today –for consumers or customers, their providers and broader market ecosystems.  The report entitled, Corporate Governance for Financial Inclusion — Insights for Boards of Microfinance Institutions: Managing Current Issues, Crisis, and Change, presents a renewed outlook for boards […]
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Consumer Protection in Digital Credit

Rafe Mazer and Kate McKee
01 August 2017
This paper explores new approaches to address risks and problems in five areas: Disclosure of loan terms and conditions Marketing approaches to promote responsible borrowing Appropriate and tailored products to meet the needs of specific consumer segments Repayment and collections Credit reporting and information sharing It draws from recent demonstrations by diverse East African lenders on how to identify potential solutions to common problems. The demonstrations used a range of […]
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Data Analytics and Digital Financial Services

01 January 2017
This is the third handbook on digital financial services (DFS) produced and published by the Partnership for Financial Inclusion, a joint initiative of IFC and The MasterCard Foundation to expand microfinance and advance DFS in Sub- Saharan Africa. The first handbook in the series, the Alternative Delivery Channels and Technology Handbook, provides a comprehensive guide to the components of digital financial technology with particular focus on the hardware and software […]
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Responsible Digital Payments Guidelines

01 July 2016
The Better Than Cash Alliance Responsible Digital Payments Guidelines identify eight good practices for engaging with clients who are sending or receiving digital payments and who have previously been financially excluded or underserved. The Guidelines are primarily oriented toward financial services providers in designing and delivering their payments services. The Guidelines can also be used as a helpful checklist (subject to applicable law) for: »  Regulators in considering their rules; […]
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Digital Financial Services and Risk Management

Lesley Denyes and Susie Lonie
01 January 2016
This handbook is designed for any type of financial institution offering or planning to offer digital financial services, such as mobile money and agent banking. It could be microfinance institutions, banks, mobile network operators, or third party payment service providers. The conceptual framework for risk and risk management is based on global standards enterprise risk management and best practices (ISO 31000), but the application of principles, illustrations, and descriptions address […]
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