The Better Than Cash Alliance is a partnership of governments, companies, and international organizations that accelerates the transition from cash to digital payments in order to help achieve the Sustainable Development Goals.
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This report explores implications of financial services’ digital transformation for market outcomes - and regulation and supervision - and how these interact.
CGAP explore how financial services are changing through a business model lens, and what fintech’s ‘unbundling’ of banking means for financial inclusion.
The twelfth annual Financial Access Survey (FAS) reveals considerable expansion in the usage of digital financial services during COVID-19.
Innovating Digital Financial Services for Posts
In this report, the relationship between financial infrastructure and the performance of disbursement programs in their design ambition and how well they delivered is assessed.
“The study finds that the type of mobile coverage provided has a significant effect on the DFS UI and type of mobile phone that can be used for DFS access.Feature phones and Unstructured Supplementary Service Data transactions continue to be the choice for the vast majority users.”
This paper investigates the impact of mobile financial services - MFS (mobile money, and mobile credit and savings) on the informal sector using data from 101 emerging and developing countries over the period 2000-15.
This paper follows a quasi-experimental research design to assess the impact of the electronic payment system of Mexico’s Progresa-Oportunidades-Prospera (POP) programme.
The paper shows that behavioral intention, demonetization and facilitating conditions have a positive impact on the adoption of mobile payment services in India.
The recently launched Inclusive Fintech 50 whitepaper looks at how early-stage fintechs are working on financial inclusion. Findings reveal that “funding is concentrated in several notable ways, innovation is not limited to technology and common standards are needed to bring clarity to the field.”
This paper explores the nexus between financial inclusion and financial innovation by looking at data from 6 South Asian countries - including 4 Alliance members.
This paper explores economic informality and how it relates to digital financial inclusion. It focuses specifically on the potential role that digital financial services–including those accessed through mobile phones and the internet can play in encouraging businesses to formalize their operations.
New IMF paper outlines policy strategies to help promote financial inclusion through fintechs in the Pacific Island countries. It calls on governments to close regulatory gaps and enhance digital and financial literacy while urging fintechs to take a regional approach to overcome scalability constraints.
At a panel discussion during the recently concluded GSMA M360 Africa, Flourish’s Ameya Upadhyay presented on how to harness the power of new technologies to drive access and transparency. Check out his presentation.
As mobile-based digital agricultural solutions take hold in Kenya, there is a great opportunity to use data for improving financial inclusion of smallholder farmers.
This World Bank e-book features stories, videos, and pictures that illustrate how digital innovation not only enables access to financial services for low-income people but also serves as an enabler for delivering clean water, solar energy, education, and more.
CGAP worked with 18 fintech pilots across Africa and Asia. This set of case studies describes for each pilot the service that was piloted, the nature of its testing, and emerging lessons. Th…
World Bank joined hands with IFC on a project for digitizing and modernizing Côte d’Ivoire’s social protection payments. Results show a reduction in administrative costs and better targeting of beneficiaries.
Central Bank of Egypt is promoting women’s financial inclusion through a set of different measures such as enabling the legal and regulatory framework conditions, modernizing the financial i…
The paper examines the effects of mobile money as financial technology and service innovation on consumer demand, connecting the effects to the fast evolving mobile technologies (from 1G to 4G).