Blog

A Digital Platform to Manage Out-of-Pocket Health Care Expenses

The M-TIBA mobile health wallet combines savings, remittances and other digital financial services to help low-income customers cover health care expenses.
Blog

China's Super Platforms: The Impact Question

What impact are super platforms having on low-income customers and small businesses? CGAP and Mastercard Foundation traveled to China to see firsthand.
Blog

Bringing Health Microinsurance to Kenyans via Mobile Phone

Bundling microinsurance with other mobile financial products is making health insurance more affordable and useful for low-income patients in Kenya.
Blog

Public Clearinghouse Could Shake Up China’s Mobile Payment Market

China will soon require payments providers, including Alipay and WeChat Pay, to connect to a public online payments clearinghouse. Here’s what we know so far about how this institution will work and what it could mean for mobile payments.
Blog

5 Insights into Credit Scoring for Smallholders

Agricultural lending remains a frontier area even as the alternative lending space fills up with new players. Here are some early insights from CGAP's work on alternative credit scoring for smallholder farmers in Uganda.
Blog

Helping or Hurting? 10 Facts About Digital Credit in Tanzania

A nationally representative phone survey shows who's using digital credit, how they're using it, and whether it's living up to the hype of helping families cope with emergencies.
Blog

When Savings Aren’t Enough: How Low-Income Bangladeshis Use Loans

Today, some 25 million Bangladeshis borrow from microfinance institutions. Financial diaries from central Bangladesh show how poor people are using their loans, from coping with emergencies to on-lending to others.
Blog

Who Are Kenya’s Financially Excluded?

In Kenya, where nearly everyone knows about mobile money and a majority live within walking distance of an agent, why do nearly 2 in 10 adults lack access to formal financial services? And what can be done to reach them?
Blog

Merchant Payments: What About the Customers?

Shifting retail payments away from cash to digital instruments will require strong buy-in from end customers, who tend to like cash. How might they be persuaded?
Blog

Digital Innovations in Smallholder Agricultural Insurance

Fewer than 1 percent of smallholder farmers in Africa have agricultural insurance. Digital technologies, such as satellite imaging, could greatly expand access to insurance in Africa and around the world.
Blog

Want Your Customers to Save More? Use Behavioral Economics

A behavioral economics experiment in Tanzania increased customers' savings by up to 11 percent using SMS messages about the balances of better savers.
Blog

Will Digital Payments Unlock Financial Access for Small Business?

Bundling digital payments with services that address common challenges for merchants could expand access to finance for small businesses.
Blog

Mapping Africa’s Latest Innovations in Digital Finance

CGAP received nearly 200 proposals from digital financial services providers across Africa interested in piloting new products. A look at those proposals — from 30 countries — shows that innovations are spreading beyond hot spots like Kenya.
Blog

The Secret Life of Mobile Money Pricing

Mobile money fees are often viewed as a barrier to financial inclusion, but they can play an important role in building healthy markets for digital financial services.
Blog

Digital Credit: Data Sharing Can Improve Product Diversity

In a CGAP and M-Kopa pilot in Kenya, customers with greater control over their credit histories took up more credit and were more likely to pay it off in full.
Blog

What Most Providers Don’t Realize About Microentrepreneurs

Conventional measures of creditworthiness paint an incomplete — even misleading — picture of microbusiness owners, whose success often hinges on strong local networks and unconventional business strategies.
Blog

India’s Latest Advances in Financial Inclusion: A Day in Royyuru

See how India’s Aadhaar-enabled payments system is making digital payments easy and convenient in the village of Royyuru.
Blog

Transactions Want to Be Free

Imagine a world where anyone could move money instantly across providers at no cost. Three trends are making free transactions more likely today than ever before.
Blog

Traders in Refugee Camps: Overlooked Opportunity in Bulk Payments

Lolem Boyo Emilat is a trader in Kenya’s Kalobeyei settlement, where mobile payments have transformed her small business. Could bringing mobile money to more traders like Lolem be an overlooked opportunity to advance financial inclusion?
Blog

Remittance Frontiers: Banking Without Borders

TransferWise has launched “borderless” accounts, bringing cross-border banking to a new level. Could similar products serve communities in developing countries that depend on international remittances?