This study examines the benefits to banks of integrating NFS into lending. These services can…
Banking
Inclusive Digital Banking: Emerging Markets Case Studies
This Working Paper tells the stories of three of these banks: TymeBank in South Africa, Kotak 811…
Governing Artificial Intelligence in Banking
AI is changing the face of the banking industry. How can banks meet the governance…
The Rise of Challenger Banks – Are the Apps Taking Over?
The banking sector is experiencing a major shift globally, as Challenger Banks are becoming increasingly…
Case Study of a Banking MVNO
Providing mobile banking services allows banks to significantly enhance the convenience, flexibility, accessibility, and affordability…
Key Drivers, Emerging Trends and Developments in Corporate Banking
Finextra, in association with Oracle, has put together a summary of the key market drivers,…
Digital Credit Market Monitoring in Tanzania
This presentation by CGAP summarises the findings of research studying the digital credit market in Tanzania. The…
Open banking How to flourish in an uncertain future
Research shows that the threat to the traditional banking business model is real. But while…
Digital banking: from revolution to evolution
Against a backdrop of heightened regulation, the burden of legacy IT and a plethora of…
Digital Disruption – How Fintech is forcing banking to a tipping point
Investments in financial technology have growth exponentially in the past decade — rising from $1.8…
The digital battle that banks must win
One in three people in developed markets now carries a smartphone, and few doubt that…
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…
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…
International Remittances and Financial Inclusion in Sub-Saharan Africa
This paper from the World Bank uses survey data, including about 10,000 households in five…
Understanding the Fractional Reserve Banking System
When you put your money into a savings account or a checking account at a…
Convergence of banking and telecoms
Telecom operators and retail banks have been converging for years. As remaining barriers vanish and…
Cutting Through the FinTech Noise: Markers of Success, Imperatives For Banks
Banking has historically been one of the business sectors most resistant to disruption by technology.…
The Evolution of Real-Time Gross Settlement: Access, Liquidity and Credit, and Pricing
This paper identifies and analyzes some policy issues arising from central bank experience and practice…
Money Creation in the Modern Economy
This article explains how the majority of money in the modern economy is created by…
The Coming of Age of Digital Payments as a Field
This paper has three objectives. It lays out the key differences between a banking and…
Transforming Access to Finance in Developing Countries Through Mobile Phones: Creating an Enabling Policy Framework
Technology, and in particular the spread of real-time communications networks, permits banks to delegate last…
Global Trends in Large Value Payments
Globalization and technological innovation are two major forces affecting the financial system and its infrastructure.…
Shifting Branchless Banking Regulation from Enabling to Fostering Competition
Branchless banking solutions in most countries tend to be dominated by a few large players,…