13 February 2015
Unstructured supplementary service data (USSD), a communications service controlled by mobile network operators, is a critical piece of infrastructure used to provide mobile financial services on most phones, at low cost, and without requiring access to the user’s SIM card. READ MORE »
Focus Note
24 February 2015
This Focus Note explores the operational costs associated with musharaka and salam products by delving into two case studies: Bank Al Baraka in Algeria and Wasil Foundation in Pakistan. READ MORE »
Focus Note
27 January 2015
The amount of electronic data generated by computerization—digital data—is growing at unprecedented rates. Financial services are an information business—can this growing wealth of data be harnessed to advance financial inclusion? READ MORE »
16 October 2014
CGAP has conducted eight human-centered design projects in seven countries. The lessons from these projects highlight both the challenges ahead and a possible way forward when it comes to integrating mobile money into the lives of the poor. READ MORE »

About Publications

CGAP publications cover a wide range of financial inclusion topics and are a premier resource for stakeholders interested in advancing financial access for the world’s poor. We focus on evidence-based research and each paper goes through a rigorous peer-review process.

21 July 2015
This paper identifies six behaviors that commonly underpin the money management practices of poor people.
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English (1.09 MB)
21 July 2015
This is a companion paper to "Money Resolutions, a Sketchbook." It imagines digital financial services that would build on two common money management practices of the poor.
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English (551.69 KB)
02 July 2015
This interim research report aims to fill some of the gaps in knowledge about how different financial services, particularly those designed to anticipate and respond to common household shocks, contribute to household resilience in Burkina Faso.
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English (2.01 MB)
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