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28 August 2018
A merchant in rural Uganda transacts in cash
New research shows that digitizing everyday payments as person-to-person transfers can be a sustainable way for providers to reach customers in rural areas.
26 June 2018
Woman on bicycle in Cote d'Ivoire
Mobile money is driving overall progress in financial inclusion in Côte d’Ivoire, but it’s also highlighting a digital divide that could leave excluded segments behind if not dealt with through smart policy.
22 February 2018
Smallholders in Mozambique receive cash payments from a cotton buyer
Bringing digital finance to the rural poor will require financial services providers to work more creatively with agribusinesses that have extensive experience serving last-mile clients.
22 November 2017
Elderly man in Burkina Faso
Regulations in the West African Economic and Monetary Union have enabled mobile money providers to double their agent networks since 2014, while restricting banks and microfinance institutions. Better regulations would create a level playing field and expand financial inclusion.
11 November 2016
Man uses a mobile phone, Senegal
CGAP recently interviewed representatives of 100+ organizations in Benin, Côte d’Ivoire, Senegal, Mali and Niger to better understand the market system for digital financial services in the West African Economic and Monetary Union (WAEMU). What have we learned?
07 November 2016
Mobile money agent in West Africa
New research from the World Cocoa Foundation explores the potential of mobile money to enhance cocoa farmers’ livelihoods in Côte d’Ivoire and Ghana and paints a detailed persona of customers at the frontier of widespread adoption.
15 August 2016
1 comment
Cocoa farmers use mobile phones in Côte d’Ivoire
Smallholder farmers are largely unable to access formal financial institutions. Over the past 22 months, a pilot project implemented by Advans Côte d’Ivoire strove to link cocoa farmers to financial institutions by transitioning from cash to digital payments, with promising results.
25 November 2015
Côte d’Ivoire is one of the most vibrant digital financial services markets in West Africa. But why do so many customers remain inactive?
03 September 2015
The process of making shea butter
In Côte d’Ivoire, societal values and personal relationships have a high degree of influence over how people choose financial service providers.
28 May 2015
1 comment
Branchless banking presents an enormous opportunity for smallholder cocoa producers in Côte d’Ivoire, a client segment that contributes to up to 10% of the countries GDP.


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