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22 July 2016
Flore de Preneuf / World Bank
Mobile money and banking agents blend seamlessly into the daily economic lives of consumers in countries like Kenya and Uganda, offering convenience and expanding access points to financial services. But agent exclusivity clauses can limit customers' choices.
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20 July 2016
Man looks out of a kiosk, Peru
Is the challenge of replicating the success of the M-Pesa model in Kenya more about implementation and management or about context and market structure? In Latin America and the Caribbean (LAC), the evidence points to context.
11 July 2016
2 comments
Boat breaks through a wave
Cash as aid offers recipients choice and dignity. The digitization of cash transfers can minimize risks of using cash in crisis environments and provide access to financial services that could help the poorest cope with shocks in the future.
29 June 2016
Soon, customers in Ghana will earn interest on their mobile money wallets. How did Ghana do it differently than Tanzania, the first country where a mobile money service paid out interest?
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28 June 2016
One ongoing debate in digital financial services concerns whether customers should be able to earn interest on mobile money wallets. The Bank of Tanzania decided that the benefit of interest earned by MNOs should go directly to customers. Here are key lessons to date.
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22 June 2016
Woman uses a phone at her market business, India | Photo Credit: Devendra Holkar, 2015 CGAP Photo Contest
In 10 years of research into regulatory issues surrounding digital financial services, CGAP has maintained a relatively consistent stance on the "basic regulatory enablers" necessary for DFS to flourish. CGAP’s Inclusive Markets Team has now started to examine "emerging regulatory enablers" and their role in DFS.
20 June 2016
Tugende bikes
In Uganda, Tugende has helped over 3,000 motorcycle taxi drivers on the path to ownership by leveraging new technologies that enable the purchasing of an asset over time. Tugende's success has four key lessons for other digital finance plus initiatives.
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10 June 2016
Man writes down a record of a financial transaction, Ghana
Digitization of government-to-person (G2P) payments should be a financial inclusion “quick win,” but negative experiences with digital social payment programs sometimes have the adverse effect of steering low-income customers away from formal financial services. This doesn't have to be the case.
01 June 2016
Title of #innovate4humanity session at World Humanitarian Summit
Recognizing the transformative role digital innovation can play in humanitarian response, CGAP, MasterCard and UNCDF co-hosted a high-level panel at the World Humanitarian Summit. How can digital finance work to build a bridge from response to resiliency?
23 May 2016
Woman looks at a mobile phone in a field in Belarus
It is increasingly important to ensure that digitally-stored funds are protected against the failure of institutions offering these products. The indirect (or 'pass-through') approach to deposit insurance is raising questions with big implications for financial inclusion.

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