This case study aims to contribute to the discussion around appropriate regulatory and policy issues…
Women Entrepreneurs: Surviving the Pandemic and Beyond
The Cherie Blair Foundation for Women has released its 2020 annual audit of research on…
Minding the DFS Gender Gap: Battling Social Norms to Level the Playing Field
While the DFS gender gap has slowly narrowed over the past few years, much work…
A Tough Call: Understanding Barriers to and Impacts of Women’s Mobile Phone Adoption in India
Today in India, 67% percent of men own mobile phones, but only 33% percent of…
The Economic Impact of Mobile Phones on Low-Income Households
One of the most important technological advances over the last quarter-century has been the global…
Making Digital Finance Work for Women in the MENA Region
Despite progress over the past few years, the Middle East and North Africa (MENA) region…
What Makes Customers Choose One Transaction Product Over Another?
There has been tremendous progress when it comes to improving access to financial services, with…
Measuring Women’s Economic Empowerment in Financial Inclusion
As a growing number of researchers and practitioners have started using women’s economic empowerment (WEE)…
Social Norms and Financial Decision-Making in Zambia
To generate insights into the normative environment within which spouses in Eastern Province, Zambia, make…
Financial Inclusion, Regulation and Financially Empowering Africa with Nolwazi Hlophe
Nolwazi Hlophe from the Digital Frontiers Institute talks about financial inclusion, connecting Africa to the world through…
Revisiting the Measurement of Financial Inclusion of Rural Smallholder Farmers in Nigeria
This study aims to develop and apply a multidimensional measure of financial inclusion to address…
Managing Agricultural Risk Through Remittances: the Case of Senegal
This feasibility study explains the role of remittances in agricultural risk management, the challenges facing…
Beyond Financial Inclusion: Measuring and Improving Financial Health Outcomes in México
Measuring financial health is a challenge. To date, there is no consensus among experts about…
Digital Survey Benchmarks on Digitalisation
Since the inception of microcredit in the 1970s, its business model has seen a number…
Digital Financial Services in Nigeria – State of the Market Report 2020
This 2020 State of the Market Report explores the state of digital financial services and…
Project Helvetia – Settling tokenised assets in central bank money
The Swiss National Bank, The Bank for International Settlements’ Innovation Hub (BISIH) Swiss Centre, and…
How Fintechs can Profit from the Multi-Trillion-Dollar Female Economy
The female economy is large, fast-growing and underserved—and fintechs are well-positioned to tap into it.…
Hey Sister! Show Me the Mobile Money!
Women’s-Global Development and Prosperity Initiative’s digital financial literacy campaign in Ghana, Malawi and Uganda.
Western Union: Permanent Leader of Money Transfers
This blog post by SaveOnSend provides an analysis of Western Union’s chances of preserving its…
Money Transfer Startups: Race Against Time?
This blog post by SaveOnSend provides a comprehensive overview of money transfer startups.
Encouraging Effective and Inclusive Savings: Lessons and Best Practices from the European Microfinance Award 2020
2020 was a unique year with so many challenges for everyone within the financial inclusion…
AI Experiments
AI Experiments is a showcase for simple experiments that make it easier for anyone to…
From Financial Inclusion To Inclusive Finance: The Power of Frameworks To Catalyse Change
This article discusses the power of frameworks in shaping research and providing insights for financial…
Alternative Credit Scoring of Micro-, Small and Medium-Sized Enterprises
MSMEs account for more than 98% of the business establishments in Hong Kong and employ…
Guide to Remote Due Diligence
When the COVID-19 pandemic struck, founders and investors alike wondered what effects it would have…
Ghana’s Identification Ecosystem
This report provides an overview and analysis of Ghana’s identification ecosystem (IE). It discusses seven…
Women’s Economic Empowerment and Digital Finance (WEE-DiFine)
The White Paper focuses on developing a conceptual framework to explore the pathways linking WEE…
Bank of England Settlement Accounts
This paper states the Bank’s policy for providing settlement services to payment systems, for providing…
Mobile Money Saving Accounts: Helping the Bottom of the Pyramid to Save in Zimbabwe
This paper on Academia discusses a serious problem confronting Zimbabwe, the savings gap, which essentially…
Digitizing Savings Groups: Evidence from Tanzania
Digital financial services reach men and women where they live, work and play—bringing banking services…
How Gender Impacts Insurance Perceptions
Pula, which provides accessible, scalable insurance solutions for smallholder farmers by bundling insurance with the…
The Hidden Pitfalls of Digitalisation
This chapter of BIO’s digital survey looks at risks digital innovation could pose for financial…
Who are the Innovators, MFIs or Commercial Banks?
This chapter of BIO’s digital survey looks at digital products and services in relation to…
An Imperitive Need for a New Social Order in Microfinance Community – Towards Ushering in a Resilient Ecosystem in the Battle Against Corona Pandemic
The paper presented by Research Gate tries to understand the challenges that the Microfinance industry…
A Case Study in Interoperable Payments in Myanmar’s Microfinance Industry Part 1, 2 & 3
Modusbox collaborated with UNCDF Myanmar on a six-month-long interoperability project in Myanmar’s microfinance industry to demonstrate the…
Instant Payments and Guidelines for the Brazilian Instant Payments Ecosystem
Here the Central Bank of Brazil discusses instant payments, highlighting implementation, ecosystem and benefits. Where…
Global State of Small Business
The Global State of Small Business Report, based on the Future of Business Survey, is…
Beyond Credit: 3 Emerging Opportunities for Fintech Startups in the Gig Economy
According to BFA Global’s Catalyst Fund, experts from India and East Africa suggest that fintech…
Measuring Microfinance Impact: A Practitioner Perspective and Working Methodology
This paper results from a research project by the EIF on “Measuring Microfinance Impact in…
Global Microscope 2019: The Enabling Environment for Financial Inclusion
The Global Microscope for Financial Inclusion, now in its 12th year, is a benchmarking index…
Case Study: Modernizing the Customer Experience Through Communications Technology
FINCA Forward implemented a four-month proof-of-concept (POC) of the Salutat solution in Guatemala to explore…
Making Mobile Phones Affordable in Malawi
Mobile technology plays a huge role in financial inclusion and accessibility. This article talks about…
Case Study: Women’s Empowerment through Financial Inclusion Technology
This case study from FINCA speaks directly to the promotion of financial inclusion for women…
Could the Poor Bank on Stablecoins?
Emerging technology is driving optimism about building a more inclusive digital economy. Will one innovation—a…
Innovative Agri-Finance Challenge Fund Playbook
The Innovative Agri-Finance Challenge Fund Playbook is a collaborative effort to assist challenge fund managers,…
Remittances in Times of Crisis: Facing the Challenges of COVID-19
On 19 March 2020, the Secretary-General of the United Nations called for an urgent and…
Fintech Toolkit: Smart Regulatory and Market Approaches to Financial Technology Innovation
This toolkit presents novel regulatory and market approaches policymakers, regulators, and development professionals can adopt…
Study Highlights How Policymakers Use Gender-Disaggregated Data to Design Effective Women’s Financial Inclusion Policies
There is a 7% gender gap globally in account ownership between men and women, 9%…
Faster Payments: The Biggest Advancement in UK Pyments in a Generation
Case study on the UK Faster Payments Service.
How to Apply Machine Learning to Business Problems
This article, breaks down categories of business problems that are commonly handled by ML, and…
Gender and Financial Misconduct: A Field Experiment on Mobile Money
The findings of this study on SSRN raise important issues at the intersection of economics…
Guidance on Digital ID
Digital ID systems are evolving rapidly. To determine whether a digital ID is suitable, governments,…
Introduction to the Precision-Recall Plot
The precision-recall plot is a model-wide measure for evaluating binary classifiers and closely related to…
Basic Evaluation Measures from the Confusion Matrix
This article introduces basic performance measures derived from the confusion matrix.
Evidence Gap Map
This is an interactive EGM matrix from the Mastercard Foundation, of 14 digital finance product…
Digital Identification & Finance Initiative Africa: An Overview of Research Opportunities
This white paper, provides a summary of the channels through which the knowledge and technological…
Inclusive Digital Financial Services: A Reference Guide for Regulators
The Bill & Melinda Gates Foundation’s Financial Services for the Poor Program (FSP) believes that effective financial…
Price Comparison Websites
The large and growing industry of price comparison websites (PCWs) or ‘web aggregators’ is poised…
Cybersecurity Guideline for Payment Service Providers
The Cental Bank of Kenya has developed a Cybersecurity Guideline for Payment Service Providers (PSPs).…
DFI aims to further the financial inclusion agenda with Digital Finance for All
Financial service providers have traditionally offered products that serve the needs of workers and enterprises…
30 scholarships to female students for Digital ID 2019
Fintech companies continue to grapple with an underrepresentation of women in leadership roles. This, according…
Freeing Financial Education via Tablets: Experimental Evidence from Colombia
This paper estimates the impact of a tablet-based application that incorporated simplified, concrete, targeted, timely,…
Building the digital finance community in Zambia
Digital finance professionals in Zambia have established the Association of Digital Finance Professionals with the…
Report of the High Level Committee on Deepening of Digital Payments
This report is based on the findings of the Reserve Bank of India committee, called…
Big Data Tutorial: All You Need To Know About Big Data!
An informative tutorial on Big Data.
Innovating With Pensions for the Informal Sector: Lessons from Solomon Islands
Saving for retirement usually is not one of the first priorities people have. Most people…
Ex Post Impact Evaluation Framework
This paper outlines how the Financial Conduct Authority use ex post impact evaluation to assess…
Practices and Tools required to support Risk-based Supervision in the Digital Age
FinCoNet developed a survey to collect relevant examples of supervisory practices that are innovative and…
Digital Credit Market Monitoring in Tanzania
This presentation by CGAP summarises the findings of research studying the digital credit market in Tanzania. The…
Call for Applications: Non-Executive Director to the Board
The Digital Frontiers Institute (DFI) is pleased to announce an open call for applications for…
Digital Frontiers Institute, Omidyar Network commit to increase women’s roles in the digital identity sector
Digital Frontiers Institute (DFI) is offering 20 full scholarships for female candidates in DFI’s Digital…
Is our Gender and Digital Financial Services course for you?
As part of our ongoing work to improve financial inclusion across gender lines, Digital Frontiers…
Payment Systems and Privacy
This article from Federal Reserve Bank of St. Loius, examines the relationship between payment systems…
DFI partners with CAFI at Renmin University in China for the successful completion of the first cohort of the Certificate in Digital Money in Mandarin
Drawn from a range of public and private sector financial institutions across mainland China, a…
Ways to think about machine learning
An article on challanges when talking about machine learning and AI.
The Digital Frontiers Institute and TalentintheCloud partner up to promote formal education in Digital Financial Services
The Digital Frontiers Institute (DFI) is proud to announce its new strategic partnership with TalentintheCloud,…
ISO 20022 Consultation Paper: A Global Standard to Modernise UK Payments
The major UK payments systems are moving to the new global messaging standard for payments…
Digital Remittances: Now that they’re here, where are they headed?
In this article, Xavier Martin offers a brief history of, and questions what is next…
The Bill & Melinda Gates Foundation, FSD Africa and Omidyar Networks extend funding by a further $10 million in DFI to ramp up successful online training model for fintech globally, meet unexpectedly strong demand.
The Digital Frontiers Institute (DFI) was founded two years ago to address the human capital gap in the fintech industry. Its growth and success in developing fintech…
How DFI and our partners are addressing the gender gap in fintech.
Fintech is likely to struggle with the gender gap for a while still, as there is no instant solution to this problem. Through concerted and focused programmes and initiatives such as DFI’s…
Report from the Commission to the European Parliament and the Council
This Report from the Commission to the European Parliament and the Council is on the…
Protecting Financial Consumer Data in Developing Countries: An Alternative to the Flawed Consent Model
This paper argues that the traditional “informed consent” model for consumer data protection has real…
The Difference Between Artificial Intelligence, Machine Learning, and Deep Learning
This article provides simple explanations of Artificial Intelligence, Machine Learning, and Deep Learning and how…
Payments Systems in the U.S.
“Payments Systems in the U.S.” is a comprehensive description of the payments systems (cards, checks,…
The Future of Digital Payments in Europe 2017
This White Paper provides an essential appraisal of the key trends in this rapidly developing marketplace, highlighting…
ITU-T Focus Group Digital Financial Services Ecosystem
This Report by ITU, defines the Digital Financial Services ecosystem and describes the players and…
What are savings groups?
Many savings groups’ initiatives are born locally, in a decentralized manner, and stem from long-standing…
Flavours of fast: A trip around the world in immediate payments
Now in its sixth edition, FIS’ annual Flavors of Fast report traces the extraordinary growth of real-time payments around the world and the new consumer…
Different types of Machine learning and their types
Article on the different types of machine learning.
Considerations for Modernising South Africa’s Low Value Payments Infrastructure
This document is the final artefact in a major research effort on payment system modernisation…
Digital Identity Guidelines
These guidelines provide technical requirements for federal agencies implementing digital identity services and are not…
The 2017 Brookings Financial and Digital Inclusion Project Report: Building a Secure and Inclusive Global Financial Ecosystem
The 2017 Brookings Financial and Digital Inclusion Project (FDIP) report evaluates access to and usage…
De-Risking and the Great Unbanking Challenge
This article by Hugo Cuevas-Mohr, is a broad view of de-risking, his opinions on some…
My Curated List of AI and Machine Learning Resources from Around the Web
An article by Robbie Allen containing his list of useful AI and machine learning resources…
CPMI-IOSCO Self-assessment Public Disclosure for Faster Payments Scheme Limited (FPSL) 2017
CPMI-IOSCO Principles for Financial Market Infrastructures (PFMI) were published in April 2012 by the Committee…
Turning the Revised Payment Services Directive into Digital Opportunity
In this note, Capgemini explores the business risks and opportunities for banks arising from the…
Getting Ahead of the Curve: Assessing Card-Not-Present Fraud in the Mobile Payments Environment
The U.S. retail payments industry is undergoing significant change to secure card payments by migrating…
Understanding Modern Banking Ledgers through Blockchain Technologies: Future of Transaction Processing and Smart Contracts on the Internet of Money
This chapter provides an overview of the concept of blockchain technology and its potential to…
Blurred lines: How FinTech is shaping Financial Services
It is difficult to imagine a world without the internet or mobile devices. They have…
Distributed ledger technology in payments, clearing, and settlement
Digital innovations in finance, loosely known as fintech, have garnered a great deal of attention…
2016 World Payments Report
The 2016 World Payments Report examines developments in the global payments landscape. By partnering with…
The changing world of money
This report from KPMG explores the changing world of money and how we can prepare for…
Unchained: Big Ideas From The Worlds Of Blockchain And Cryptocurrency (podcast)
Blockchain technology is about to transform every trust-based interaction of our lives, from financial services…
Reinventing Remittances with Bitcoin
This book is for Bitcoin enthusiasts, entrepreneurs, and industry veterans who wish to fully understand…
Internet identity, privacy, and a blockchain – SecureKey
The term identity gets used a lot whenever internet payments and security are discussed. Knowing…
Bitcoin Divided
Bitcoin was supposed to be the currency of the future: secure, fast, independent of any…
The Mobile Economy: India 2016
This report from the GSMA discusses the mobile economy in India. India boasts the second…
The March Towards Digital Money:Bringing The Underbanked In FromThe Cold
The 2017 Index represents more of a shuffling than shifting of countries in their comparative…
Contactless EMV Payments: Benefits for Consumers, Merchants and Issuers
This white paper, from the Smart Card Alliance Payments Council, addresses current questions about the…
Financial and Digital Inclusion Project Report 2016
The Brookings Financial and Digital Inclusion Project (FDIP), launched in summer 2014, examines access to…
Digital banking: from revolution to evolution
Against a backdrop of heightened regulation, the burden of legacy IT and a plethora of…
State of Cash, Diary of Consumer Payment Choice, 2015
As the payments landscape evolves, cash remains a unique, resilient, and heavily used consumer payment…
The Effect of Demographics on Payment Behavior: Panel Data with Sample Selection
Today’s consumer has access to more payment instruments than consumers of just a few years…
Making Blockchain Real for Customer Loyalty Rewards Programs
Customer loyalty and engagement can make or break companies, and as such, rewards programs represent…
‘Leapfrogging’: a Survey of the Nature and Economic Implications of Mobile Money
Mobile money is a recent financial innovation giving financial transaction services via a mobile phone,…
Distributed Ledger Technology And Opportunities In Correspondent Banking
Correspondent banking has evolved over the past 35 years, from automating telex processes amongst multiple…
Blockchain Technology: How Banks Are Building A Real-Time Global Payment Network
One of the most talked-about topics in the financial services industry today is blockchain. And…
The World FinTech Report 2017
Backed by a survey of more than 8,000 customers in 15 countries, as well as…
Riding the Rails of Mobile Payments: Financial Inclusion, Mobile Phones, and Infrastructure
This chapter on riding the rails of mobile payments analyzes payments as both technical and…
Regtech In Financial Services: Technology Solutions For Compliance And Reporting
“Regtech” is “the use of new technologies to solve regulatory and compliance requirements more effectively…
RegTech is the new FinTech. How agile regulatory technology is helping firms better understand and manage their risks
Regulation is one of a number of services to receive the “Tech” treatment in recent…
Cashless society in China
This podcast on how digital payments adoption is rapidly increasing in China and how platforms…
A Western Diet with Chinese Spices – The Specificities of Payments in China
Overall, in China the payment system is less developed and electronic payment methods are less…
The Rise of FinTech in China Redefining Financial Services
A collaborative report from EY and DBS Bank shares lessons to be learned from the…
The Commonwealth Working Group on Virtual Currencies Report
The Commonwealth Working group produced a report of the prevalent virtual currencies in eight member…
India’s Botched War on Cash
India is in the throes of an unprecedented social experiment in enforced digital disruption, and…
The U.S. Path To Faster Payments
This report is broken into two parts. Part one describes the background and process of…
Mobile money crosses borders: New remittance models in West Africa
A promising new model is emerging for cross-border remittances with mobile money as both the…
Consumer Protection in your DFS Go-to Market Plan
My January article introduced you to Consumer Protection in DFS, why it is important from a…
Study Paper: ‘AML/CFT Regulations for Mobile Money: Global Standards, Practices & Recommendations for Bangladesh’
Executive Summary Access to financial system by the lower segment of the society is assumed…
How Will Artificial Intelligence Affect Your Life | Jeff Dean | TEDxLA
In the last five years, significant advances were made in the fields of computer vision,…
Call to Action – FinTech Talent Africa: Time to Act!
Most of us are familiar with the phrase “The war for talent”, a term coined…
Kaushik Basu podcast on India’s demonetization
Doing away with big currency notes is a movement that is picking up all over…
Consumer Protection in Digital Financial Services – What should I do about it?
In December 2016 I published an article Your Top 10 Things to get Right in a…
Global Migration’s Impact and Opportunity
Migration has become a flashpoint for debate in many countries. But McKinsey Global Institute research…
The Bitcoin Ecosystem (Infographic)
BitPay partnered with Bitcoin Magazine to create an infographic showing how the bitcoin ecosystem has…
G20 High-Level Principles for Digital Financial Inclusion
The Group of Twenty (G20) recognizes the key role of financial inclusion in helping to…
The future of financial infrastructure: An ambitious look at how blockchain can reshape financial services
The transformation of the financial services industry is top-of-mind for everyone in the field and…
Fast Payments – Enhancing the Speed and Availability of Retail Payments
The BIS Committee on Payments and Market Infrastructures has issued a report on Fast payments.…
Paid, But Not Paying Off: Why G2P Payments Are Not Yet Driving Financial Inclusion
Your alarm goes off. It’s 3 a.m. on the last Friday of the month. You…
Big data for small policies
What does big data mean for microinsurance? There are 24.2 million adults in Tanzania. About…
Payment System Interoperability and Oversight: The International Dimension
This report by International Telecommunication Union (ITU), considers the implications of PSI interlinking and international…
Cash on Trial – Informal Payments, Crime Control and Fragile Communities
SUERF organised a combined evening event (in German at the University of Zurich) and one-day…
Jumping to conclusions: How commonly held assumptions have skewed our view on women’s financial inclusion
Have you heard of the Fosbury Flop? Probably not. But you’d know one if you…
A balancing act: Using innovation to enhance financial inclusion whilst protecting personal data
Data has permeated all facets of our lives. It is more available and accessible than…
Why a plastic bottle trumps a bank account
… and what that tells us about the impact of financial inclusion on people’s lives. Patience,…
On the Value of Virtual Currencies
This paper develops an economic framework to analyze the exchange rate of virtual currency. Three…
Digital Finance for All: Powering Inclusive Growth in Emerging Economies
A report from the McKinsey Global Institute (MGI), Digital finance for all: Powering inclusive growth in emerging economies,…
Tech Trends, Innovating in the digital era
Can blockchain become as sexy as virtual reality or the Internet of Things? And of…
“I’ve got your back” – the role of mutualitées in the DRC
The Democratic Republic of the Congo (DRC) is a country with a volatile history and…
Considered Social Media as a Change Management Channel yet?
Most of us can identify with the chaos change can create in an organization. While…
Payment Mechanisms and Anti-Poverty Programs: Evidence from a Mobile Money Cash Transfer Experiment in Niger
Cash transfers have become an increasingly important component of social protection policies in both developed…
Are we ready for the new world of work?
I spent 3 minutes of pure adventure after stumbling across a video clip of Jabob…
Choosing an Agent Management Model
One important question service providers have to ponder prior to entering the market is the…
The U.S. Adoption of Computer-Chip Payment Cards: Implications for Payment Fraud
The fraudsters, phishers, hackers, and pickpockets who thrive off payment card fraud may soon have…
Mapping the Retail Payment Services Landscape: Zambia
This report on Zambia’s retail payments landscape is part of a series commissioned by FinMark…
Innovations in retail payments
Over the past decade, many innovations in retail payments have emerged. These may affect the…
Managing a Mobile Money Agent Network
This article from the GSMA explores how mobile operators can ensure that the agent networks…
Three Key Considerations for Agent Banking
This presentation from the Helix Institute looks at the following three considerations for agent banking:…
Mobile Money Business Models
This presentation from the Payments Innovation Working group explores the three core business models for…
Expanding the Ecosystem of Mobile Money: Considerations for Interoperability
This note from the GSMA discusses interoperability in broad terms as the interconnection of mobile…
Understanding the potential of the mobile money ecosystem
For GSMA, the mobile money ecosystem includes mobile money providers and all third party organisations…
Payment, clearing and settlement systems in South Africa
South Africa, like many African countries, has varying requirements for payment systems and payment instruments.…
Digital Payments 2020: India
This paper by Boston Consulting Group and Google, explores the global digital payments revolution and…
Innovation in Financial Services: The Elastic Innovation Index Report
By assessing innovation inputs (or capabilities), as opposed to innovation outputs (new products or new…
Fighting Poverty, Profitably
This report from the Gates Foundation’s Financial Services for the Poor program, focuses on the…
Africa Payments: Insights into African transaction flows
‘Africa is rising’ is a powerful phrase these days. The rising middle class will undoubtedly…
Reducing risk and increasing resilience in RTGS payment systems
This White Paper from SWIFT explores why the RTGS matters, the need for the RTGS,…
The Challenges of Real-Time, Any-to-Any Payments
Imagine a world in which consumers have control over their money and are connected directly…
The Global Adoption of Real-Time Retail Payments Systems (RT-RPS)
The purpose of this paper is to review the global real-time retail payments systems (RT-RPS)…
The digital battle that banks must win
One in three people in developed markets now carries a smartphone, and few doubt that…
Digital currencies
Central banks typically take an interest in retail payments as part of their role in…
Getting to grips with counterparty risk
Counterparty risk stalks the financial system. In this article from McKinsey, the authors outline a…
Principles for the Management of Credit Risk
Credit risk is most simply defined as the potential that a bank borrower or counterparty…
Mobile money profitability: A digital ecosystem to drive healthy margins
The path to profitability. Beyond these bright lights in the industry, MNOs still have limited…
10 Challenges That Could Make or Break India’s Payments Banks
In the year since it was launched, India’s national financial inclusion drive has generated plenty…
Remittance Markets in Africa
A substantive literature suggests that migration generates benefits for migrants, the host societies, and the…
Social Media and Remittances
An industry first, the new functionality connects senders and receivers through their Facebook friend list,…
International remittances the next big thing in mobile payments
The World Bank estimates that in 2011 more than USD 483 billion was sent internationally…
Facilitating Cross-Border Mobile Banking in Southern Africa
This Africa Trade Policy Note provides a description of the supply side factors influencing the…
Financial Inclusion, Mobile Banking, and Remittances in Mexico and the Philippines
Remittance senders evaluate the costs and benefits of money transfer services. Two conditions are of…
Five years of the Financing Facility for Remittances and the road ahead
More than 220 million people live outside the countries and communities they call home. The…
How money remittance has leapfrogged Africa’s financial industry
Africa presents a minefield of opportunity for fintech companies due to the lack of legacy infrastructure. The formal market…
The Cross-border Money Transfer Experience
Why would a person choose to send a regional low value remittance from South Africa…
Position Paper on Virtual Currencies- A South African Example
This document outlines the position of the South African Reserve Bank on virtual currencies as…
Glossary of Terms Related To Payment, Clearing And Settlement Systems
This glossary of terms from the European Bank gives explanation of terms relating to payment,…
Understanding the Fractional Reserve Banking System
When you put your money into a savings account or a checking account at a…
Financial Inclusion in Russia: The Demand-Side Perspective
The G20 Financial Inclusion Indicators suggest that financial inclusion should be measured in three dimensions:…
The 2016 Brookings Financial And Digital Inclusion Project Report
The Brookings Financial and Digital Inclusion Project (FDIP), launched in summer 2014, examines access to…
Better Than Cash Alliance Webinar: Digital Food / Electronic Payments Pilot Study Presentation
The World Food Programme (WFP) transitioned from in-kind food aid to to electronic payments (“digital…
Financial Inclusion: Zooming in on Latin America
Countries in Latin America and the Caribbean (LAC) have made important strides in promoting financial…
Promoting Women’s Financial Inclusion- a toolkit
Financial inclusion benefits individuals and households, and well-functioning financial systems benefit whole countries. However, access…
Financial Inclusion in Africa
This publication is edited by Thouraya Triki and Issa Faye from the AfDB’s Development Research…
Financial Inclusion and Development: Recent Impact Evidence
This Focus Note from CGAP is organized in three sections. The first section describes the…
Convergence of banking and telecoms
Telecom operators and retail banks have been converging for years. As remaining barriers vanish and…
The Digital Disruption Battlefield
Digital technology has already transformed several industries, not only by digitalising the sales process but,…
Blockchain Trends & Applications
This insights post explores the trends within blockchain and which corporates are investing in blockchain.
Crowdfunding Monitoring Switzerland 2016
Crowdfunding is an alternative way of raising capital that uses online platforms. The funds can…
Peer-to-Peer Lending: Examining the Industry and the Borrower Experience
Online peer-to-peer (P2P) lending websites, often referred to as “Shadow Lenders”, have gained significant traction…