Wages

Mobile money

This review provides an overview of the operations and impacts of mobile money in the developing world and discussing what the future of mobile money in developing economies may look like.

Mobile banking: A potential catalyst for financial inclusion and growth in Pakistan

This paper traces the history of mobile banking in Pakistan, studies various models of mobile banking and assesses its current state.

Law and Regulation of Mobile Payment Systems: Issues arising 'post'financial inclusion in Kenya

This study analysis the emerging legal and regulatory issues that mobile payments introduced in Kenya.

Handbook of blockchain, digital finance, and inclusion: cryptocurrency, fintech, insurtech, regulation, Chinatech, mobile security, and distributed ledger

The handbook emphasizes the financial opportunities made possible by digital banking, such as financial inclusion and impact investing and summaries standard models of various new technologies.

Gender and digital financial inclusion: What do we know and what do we need to know

This report undertakes a systematic review of key literature and identifies areas for further research and opportunities in the field of gender and financial inclusion, particularly digital financial inclusion.

Financial technology business model as branchless banking for people in rural areas: Case study: Indonesia

This study designs business models for electronic payment services, utilizing the principle of branchless banking and reviewing relevant aspects of IT risk management, for rural area communities in Indonesia.

Financial technologies paving a bright new path for the world's unbanked population

Based on a sample of 62 developing countries, the paper provides empirical analysis showing increase in the use of FinTech has a positive effect on the level of financial inclusion, which in turn advance sustainable economic development.

Financial inclusion: The case of Republic of Macedonia

“The paper evaluates the level of financial inclusion in Republic of Macedonia through analazysis of indicators in some basic categories like number of accounts, borrowed funds and payment services. ”

Financial Inclusion, Digital Payments and Their Impact on Income and Tax Revenue Around the World

Using various global datasets, this study quantifies the effect of financial inclusion and digital payments on income and individual government tax revenues to be an additional $4.1 trillion in the world economy.

Anti-money laundering and terrorist financing measures and financial inclusion

The promotion of formal financial systems and services is central to any effective and comprehensive AML/CFT regime. However, applying an overly cautious approach to AML/CFT safeguards can h…

Finclusion to Fintech: Fintech Product Development for Low-Income Markets

The paper presents detailed insights from 15 years of financial inclusion research to highlight the importance of fintech, including proposing product development ideas for Fintech players, to better serve developing world market.

Improving financial inclusion through social transfers

This paper looks at the impact of shifting to digital payments in Progresa-Oportunidades-Prospera Programme.

Bringing E-money to the Poor: Successes and Failures

This report examines the successful lessons from Kenya, South Africa, Sri Lanka, and Thailand case studies of “gazelles", that leapt from limitation to innovation by successfully enabling the deployment of e-money technology.

China Breakthroughs: Pay it forward on cashless society

China cashing out as mobile payment soars (The Business Times)

China cashing out as mobile payment soars (AFP)

A handbook on regional integration in Africa: Towards Agenda 2063

The Handbook advices and informs on current dynamics, opportunities, challenges and policy options for Africa’s regional integration agenda.

Accelerating Financial Inclusion in South-East Asia with Digital Finance

Focussing on women, and micro, small, and medium enterprises (MSMEs), the paper highlights that digital financial solutions could play a significant part in closing gaps in financial inclusion and povides insights from Indonesia, Philippines, Cambodia, and Myanmar.

One Acre Fund Study

Find out how mobile payments are better than cash for Kenyan farmers