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17 August 2016
Chart showing mobile money figures in Bangladesh
Mobile money in Bangladesh had a fast start. However, recent data show that while use is still increasing, the rate of growth in transaction value and volume is tapering off. Researchers analyzed a number of possible explanations for this trend.
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15 August 2016
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.
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10 August 2016
6 comments
Graph showing loan amounts based on financial education received, Tanzania program
Financial education is often delinked from customer actions–they may learn about interest rates now, but won’t need to borrow for months or even years. In rural Tanzania, an interactive SMS project brought information to farmers' phones, enabling customized learning in real time.
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08 August 2016
2 comments
Digital credit graphic showing loan size and term
Digital credit is disbursed and recovered rapidly, often in 30 days or less, and generally with loan amounts smaller than conventional credit or micro-lending. CGAP built a digital credit financial model to investigate the basic financial dynamics of loan portfolios made up of short-term, small loans.
02 August 2016
2 comments
Woman looks at a smartphone near a river, India
In India, loans often require extensive application processes or participation in a joint liability group. A pioneering digital loan provided by Suvidhaa Infoserve and Axis Bank is changing the financial services landscape.
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27 July 2016
4 comments
Graphic illustrating how digital credit works
In the growing field of digital credit, CGAP research has found exciting innovations along with fundamental miscalculations. CGAP's self-directed course, "An Introduction to Digital Credit," presents key lessons for practitioners, regulators and others with an interest in digital credit.
26 July 2016
4 comments
Smallholder farmers in Pakistan use a mobile phone
In 2015, Pakistan became the first country to leverage biometric SIM verification for remote mobile wallet account opening. We talked to members of the Banking Policy and Regulation Department at the State Bank of Pakistan to learn more about these developments and the exciting implications for financial inclusion.
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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
7 comments
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
3 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.

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