An inclusive compliance model is a compliance approach that minimises the cost of compliance while…
Managing Risks (More) Effectively: Rethinking Insurance for MSMEs
MSMEs form the backbone of many economies globally and give rise to economic growth, employment…
The Potential of Digital Platforms as Distributors and Enablers of Financial Services in Africa
The past decade has seen the emergence of digital platforms, which connect buyers and sellers…
Identity Proofing for COVID-19 Recovery
In order to address the systemic as well as the immediate challenges associated with COVID-19,…
De-risking in Africa: Illicit Financial Flows and Regional Economic Hubs
This two-note series from The Centre for Financial Regulation and Inclusion, highlights the relationship between…
Eswatini Central Bank Digital Currency Diagnostic Study
The Centre for Financial Regulation and Inclusion in partnership with The Central Bank of Eswatini…
The Scale and Usage of Digital Platform Ecosystems in Nigeria, Kenya and South Africa
Nigeria, Kenya and South Africa are leading digital app markets in Africa. The relatively high…
Policy Options in a Post-COVID-19 Africa
A COVID-19 policy response framework to recover and adapt. COVID-19 is leaving no country unaffected.…
Inclusive Integrity Toolkit
Countries in the sub-Saharan Africa (SSA) region have been on a development curve in setting…
Payment facilities and Africa’s platform ecosystem: What does the data tell us?
Digital platforms, also known as multi-sided marketplaces, are seamlessly matching customers to suppliers of goods…
Innovation Ecosystems
Innovations of all kinds contribute to greater economic growth, and tech innovations, in particular, can…
Measuring Financial Health: What Policymakers Need to Know
Citizens, politicians and policymakers know that effectively managing one’s financial resources – being financially healthy…
Insur;Hack Report
The Insur;Hack (focusing specifically on insurtech) was a collaborative effort designed to provide competing teams…
Is There a Case for For-Purpose Remittances?
This report from Cenfri reveals the findings from their qualitative and quantitative research with remittance…
An Analysis of ID Proxy Initiatives Across the Globe
Real-time instant payments have become a hallmark of the digital economy and financial system. As…
Diagnostic study of the Zambian payments system
This diagnostic study by Cenfri explores Zambia’s payments landscape and provides insight and key learnings…
Exploring Africa’s digital platforms: Insurance in e-hailing
In recent years the platform economy has rapidly transformed various economic sectors such as hospitality,…
Regulating for innovation: an evolving framework
This focus note from Cenfri aims to equip regulators with a decision framework that illustrates…
Insurtech Tracker
In light of the insurtech trends, Cenfri wanted to understand to what extent insurtechs in…
Central Bank Digital Currency and Financial Inclusion
Central banks have started to actively explore central bank digital currency (CBDC) – a new…
Behavioural Interventions that Advance Financial Inclusion
This report by Cenfri, looks at behavioural interventions that influence financial decisions or behaviours of…
The potential of merchant data in improving credit access
Access to credit is a challenge that many MSMEs face. Often this is due to…
Illicit Financial Flows: A Financial Integrity Perspective
Addressing Illicit Financial Flows (IFFs) is a target in the Sustainable Development Goals (SDGs). This…
Learnings from comparing consumer credit protection systems in Pakistan and South Africa
Trust in the product and the financial service provider plays a vital role when looking…
The evolution of agent networks in Africa
Agent networks are seen as being key for facilitating cash-in and cash-out (CICO), particularly in…
The role of insurance for development
DFID, World Bank, FSDA and Cenfri partnered to conduct research to explore how and if…
Payment Systems in Sub-Saharan Africa
Cenfri explored national and regional payment systems in sub-Saharan Africa, and produced a two-part series…
Payment Systems in Sub-Saharan Africa
This two-part note series explores the state of national and regional payment systems in sub-Saharan…
What is the role of insurance regulators in dealing with consumer data protection risks arising from increased data availability and usage?
Across the globe industries, businesses are collecting, storing and using increasing amounts of consumer data.…
Where are the flows? Exploring barriers to remittances in sub-Saharan Africa
Remittances play a critical role in facilitating financial flows to Sub-Saharan Africa. The value of formal…
Biometrics and financial inclusion: A roadmap for implementing biometric identity systems in sub-Saharan Africa
The World Bank (2017) estimates that 1.1 billion people live without proof of identity. Nearly…
(Micro)insurtech: 5 challenges tech is addressing in microinsurance
The business of insurance is hard. Microinsurance has proven to be mostly impossible. Whilst promising exampleshave…
Could this be microinsurance’s uber moment?
Over the last decade, microinsurance has grown from covering fewer than 100 million risks, to…
This road will not get you there – Customer Perspectives, Financial Inclusion
This week I drove 600 km from Cape Town airport to my home and sheep…
Banks need a paradigm shift to make headway in developing countries
In 1778 the first modern-day savings bank in Germany was founded in Hamburg. The bank…
Why digital payments are not replacing cash
Globally, the financial inclusion agenda has focused on migrating consumers, providers and governments to digital…
Why bank account access is not translating into usage
Underlying the global financial inclusion agenda is the assumption that providing access to and ownership of bank…
Making Access to Financial Services Possible (MAP)
MAP is a multi-country, financial-inclusion initiative launched by Cenfri in partnership with the United Nations…