Tools & Frameworks

Investor Guideline 2: Manage Risks Comprehensively | Due Diligence Tool

IFC developed a draft due diligence tool for investors who are incorporating customer risks into their broader investment due diligence process across core operational areas.  The draft Due Diligence Tool and accompanying Risk Matrix remains work in progress and is a result of internal activities of the Working Group of the Guidelines for Responsible Investing in Digital Financial Services.  We encourage investors and signatories to send feedback and share your […]
Due Diligence/Risk Matrix Tool

Investor Guideline 6: Promote Fair and Transparent Pricing | Briefing Note

DEG/KfW developed this Draft Briefing Note. This draft includes feedback from IFC and Goodwell Investments, with inputs and comments still ongoing to provide “live” investor feedback based on actual investment projects.  We encourage investors to share your negotiation experience to refine this tool for the broader responsible investor community. This Briefing Note was developed for investors who are assessing fair and transparent pricing in digital finance and fintech investments.  The […]
Briefing Note

Guidelines for ID4D Diagnostics

06 March 2018
Robust, inclusive and responsible identification systems are crucial tools for achieving sustainable development, including the World Bank Group’s twin goals of ending extreme poverty and boosting shared prosperity. In addition to being the objective of Sustainable Development Goal (SDG) Target 16. — to “provide legal identity for all, including birth registration” by 2030—identification is a key enabler  or individuals to exercise their rights and for progress towards many other SDG […]
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Principles on Identification for Sustainable Development: Toward the Digital Age

01 February 2017
Some 1 billion people in the developing world lack proof of legal identity. Living without proof of legal identity is a serious obstacle to social, economic, and political inclusion. It also makes it difficult for an individual to open a bank account, vote, obtain formal employment, access education or healthcare, receive a social transfer, buy a SIM card, or seek legal redress. Furthermore, a person without identification may be unable […]
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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 […]
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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 – Comprehensive Risk Matrix Draft Version 1.0

16 April 2018
This is a draft version 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.  This Comprehensive Risk […]
Investor Guideline Risk Matrix

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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