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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)
15 August 2017
There is not enough being done to implement minimum standards in consumer protection for digital credit, and this exposes the industry and consumers to risks such as credit bubbles and mass-blacklisting of consumers in credit bureaus for just a few dollars of debt.
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English (24 pages)
19 April 2017
Insights gained from Mystery Shopping exercises can be critical for regulators and supervisors charged with overseeing DFS markets.
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English (24 pages)
17 April 2017
Mobile financial services (MFS) have rapidly become a conduit for fraud and other criminal activity. Various fraud types have been noted in key MFS markets, including consumer-facing fraud from agents and third parties and fraud perpetrated against agents.
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English (4 pages) | Spanish (4 pages)
22 October 2015
This case study describes the Juntos platform, which aims to address the engagement gap between customers and providers. It describes how it works, what it can and cannot do, early results, and issues arising from initial implementations.
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English (15 pages)
06 October 2015
This Brief explains why approaches to inclusive finance that are currently widespread do not share the potentially destabilizing attributes of other types of shadow banking, concluding by identifying some risks worth monitoring as the picture continues to evolve.
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English (4 pages) | French (4 pages) | Russian (4 pages) | Spanish (4 pages)
17 June 2015
This Focus Note explores consumer risk in digital finance—-particularly through the lens of lower-income and less-experienced consumers.
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English (40 pages) | French (40 pages) | Spanish (40 pages) | Chinese (40 pages) | Russian (40 pages)
Mobile Formats:
iBook (2.23 MB) | Kindle (5.88 MB)
02 September 2014
This report explores what consumers understand about their mobile data, and how it is being used by financial service providers and what methods for informed consent might help ensure that individual borrowers understand how their information is used.
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English (20 pages)
15 September 2010

Transformational branchless banking heightens the consumer-related concerns of regulators and supervisors because it combines the use of agents and technology-enabled devices to serve large numbers of less educated and inexperienced customers.

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English (20 pages) | French (20 pages) | Spanish (20 pages) | Arabic (20 pages) | Chinese (16 pages)
Mobile Formats:
iBook (799.9 KB) | Kindle (633.36 KB)
01 September 2010

Many in the private sector believe reaching large numbers of mass market clients is a precondition to large-scale profits, but at the same time, they are uncertain about how quickly branchless banking will gain traction with the unbanked, low-income clients who make up the mass market.

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English (20 pages) | French (20 pages) | Spanish (20 pages) | Chinese (16 pages)
Mobile Formats:
iBook (1.14 MB) | Kindle (1.26 MB)
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