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19 June 2018
This is the story of how the United Nations Mobile Money for the Poor in Uganda worked with a coffee exporter to digitize one of the country’s most important cash crops. Learn about the dynamics of digitizing agricultural value chains and how organizations from different sectors worked to digitize Uganda’s coffee value chain.
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English (44 pages)
25 September 2017
This Working Paper explores three approaches banks in Kenya have used to respond to mobile money. While nonbank mobile financial services can fundamentally reshape the financial sector in a developing market, as they have clearly done in Kenya, mobile services need not represent an existential threat to the traditional banking industry.
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English (12 pages) | French (14 pages)
15 August 2017
Customers are turning to formal channels that use digital and mobile technologies for remittances because these are often able to offer services at lower costs. As more customers turn to formal services, remittances will have an even stronger developmental impact, notably in countries where protracted humanitarian crises affect large numbers of people.
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English (91 pages) | Arabic (12 pages)
18 April 2017
By opening up their payments platforms to third parties—such as financial technology companies, software developers, startups, and digital banks—providers can open the door to the development of innovative products that can be brought to market quickly.
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English (36 pages)
27 March 2017
Smartphone applications offer a powerful tool for financial service providers to offer services to their customers—if done right. CGAP reviewed six smartphone apps currently available in India to find out what design elements are essential to fully deliver on the promise of marrying a financial service with a smartphone interface.
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English (49 pages)
11 October 2016
Innovations in digital finance can play a role in the Sustainable Development Goals' aim to “ensure inclusive and equitable quality education and promote lifelong learning opportunities for all.”
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English (10 pages)
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.
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English (4 pages) | French (4 pages) | Spanish (4 pages)
14 May 2014
This research shows USSD access is an important competition issue in many countries since there are no effective substitutes that have been proven at scale.
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English (39 pages)
11 April 2014
While many banked people already use mobile banking in China, the country also has the potential to emerge as an important success story for branchless banking and financial inclusion and potentially a new paradigm.
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English (64 pages) | Chinese (64 pages)
05 March 2014
This case study discusses the program elements of the World Food Programme’s Cash for Assets pilot in Kenya, as well as the design and
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English (37 pages)

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