A Central Bank Digital Currency (CBDCs) is a digital form of central bank money, which…
Digital Money
2021 State of the Industry Report on Mobile Money
2020 was a year like no other. In every region of the world, COVID-19 triggered…
Inclusive AML-CFT Models in Africa: Lessons from Six Financial Service Providers
An inclusive compliance model is a compliance approach that minimises the cost of compliance while…
Inclusive Digital Banking: Emerging Markets Case Studies
This Working Paper tells the stories of three of these banks: TymeBank in South Africa, Kotak 811…
QR Code Merchant Payments: A Growth Opportunity for Mobile Money Providers
The Global System for Mobile Communications (GSMA) compiled a report on QR code merchant payments…
Eswatini Central Bank Digital Currency Diagnostic Study
The Centre for Financial Regulation and Inclusion in partnership with The Central Bank of Eswatini…
Navigating the Shift to Digital Humanitarian Assistance: Lessons from the International Rescue Commitee’s Experience
The objective of this case study is to understand the International Rescue Commitees’s (IRC) motivation…
Cote d’Ivoire’s Desire Nindjin Talks Digital Transformation
When Desire Nindjin joined MTN Cote d’Ivoire in 2006 after a six-year stint at EY as Financial Auditor, the world of digital financial services was still in its infancy (M-Pesa first launched in Kenya a year later).
The Rise of Digital Money
This paper from IMF marks the launch of a new IMF series, Fintech Notes. Building…
The Rise of Digital Money
This paper by the IMF offers a conceptual framework to categorize new digital monies, identify some of…
LISTEN NOW: The FinTech Stack
In this exclusive webinar, Ignacio Mas, Co-Founder and Executive Director of Digital Frontiers Institute (DFI), …
LISTEN NOW: Smart Banknotes and the Future of Money
Must we pit digital money against hard cash? Must we swear our loyalty to one…
Mapping the DFS Ecosystem with a Fintech Stack
The purpose of this paper, Mapping the DFS Ecosystem with a FinTech Stack, is to present…
How can users begin to keep value digital, longer?
Customers keep value digital either with the intention of saving or for convenience. Beyond the financial inclusion…
Using Trusts to Protect Customers’ Mobile Money Funds
Mobile money is a payment and storage service that uses ‘e-money’—a form of stored value…
Financial Inclusion in the Digital Age
Billions of adults across the globe lack access to the financial services they need to…
Global Cryptocurrency Benchmarking Study
This is the first study to systematically investigate key cryptocurrency industry sectors by collecting empirical,…
War of the Wallets
The emergence of several high profile mobile payment services, including Apple Pay, Samsung Pay and…
The Mobile Economy Sub-Saharan Africa
The mobile industry in Sub-Saharan Africa continues to scale rapidly, reaching 367 million subscribers in…
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…
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…
Cashless society in China
This podcast on how digital payments adoption is rapidly increasing in China and how platforms…
Kaushik Basu podcast on India’s demonetization
Doing away with big currency notes is a movement that is picking up all over…
The digital battle that banks must win
One in three people in developed markets now carries a smartphone, and few doubt that…
Principles for the Management of Credit Risk
Credit risk is most simply defined as the potential that a bank borrower or counterparty…
Position Paper on Virtual Currencies- A South African Example
This document outlines the position of the South African Reserve Bank on virtual currencies as…
Bitcoin Versus Electronic Money
Bitcoin has had a volatile journey since it was launched in 2009, attracting attention among…
Understanding the Fractional Reserve Banking System
When you put your money into a savings account or a checking account at a…
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…
Responsible Digital Payments Guidelines
The Better Than Cash Alliance ‘Responsible Digital Payments Guidelines’ identify eight good practices for engaging…
Designing Successful Distribution Strategies for Digital Money
This paper by Ignacio Mas documents the variety of ways in which digital financial service…
Responsible Digital Payments Guidelines
The Better Than Cash Alliance ‘Responsible Digital Payments Guidelines‘ identify eight good practices for engaging…
Digital Payments Transformation From transactions to consumer interactions
This stage of connectivity is driving digital payments transformation – the migration of cash payments…
An Empirical Examination of Why Mobile Money Schemes Ignite in Some Developing Countries but Flounder in Most
Mobile money schemes have grown rapidly in some developing countries but failed in many more.…
Digital Inclusion and Mobile Sector Taxation in Mexico
Seeking to extend ICT access, the government and international organisations have identified affordability and investment…
Pathways to Smarter Digital Financial Inclusion
We can now easily imagine a situation within the next ten years where most people…
Modelo Perú: A Unique Approach to Financial Inclusion
Peru is well regarded internationally for having a well-developed formal financial sector. However, more than…
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…
Strains of Digital Money
This paper provides a basic framework that explains how the major types of known digital…
The Island of Stone Money
The Island Of Stone Money – large stones quarried and shaped on a distant island…
The Next Digital Finance Frontier: Filling the Accounts
It is commonly accepted that poor people find value in remote digital payments propositions. A…
Global Cryptocurrency Benchmarking Study
The world of money and finance is transforming before our eyes. Digitsied assets and innovative…
Global Standard-Setting Bodies and Financial Inclusion for the Poor Toward Proportionate Standards and Guidance
Together, the normative standards and advisory guidance of the Basel Committee on Banking Supervision (BCBS),…