Tools & Frameworks

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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Code of Conduct for Mobile Money Providers

01 October 2015
This Code of Conduct identifies principles aimed at promoting mobile money providers’ adoption of consistent risk mitigation practices in certain critical areas of their business. For the mobile money sector to continue to drive the growth of the digital finance ecosystem, mobile money providers (“providers”) have adopted a Code of Conduct aimed at ensuring that their services are sound, the channel is secure, and the customer is treated fairly. The […]
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Alternative Delivery Channels and Technology

Geraldine O’Keeffe, Charlene Bachman and Omoneka Musa Oyier
05 August 2013
The ambition to reach full global financial inclusion requires that we address the challenge of delivering appropriate and affordable financial services to an estimated 2.5 billion unbanked individuals globally. One response to this challenge has involved the design of products such as microloans, low balance savings accounts, micro-insurance, and mobile money transfer that are specifically tailored to meet the needs of the often excluded low-income mass market. Delivering these products […]
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Principles for Investors in Inclusive Finance

The Principles for Investors in Inclusive Finance (PIIF) provide a framework for responsible investment in inclusive finance. The PIIF are housed within the Principles for Responsible Investment and were established in January 2011 on the initiative of investors and Her Royal Highness Princess Máxima of the Netherlands in her role as UN Secretary-General’s Special Advocate for Inclusive Finance for Development. The group developed the PIIF together with the PRI Initiative, […]
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