Publications

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 »
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 »
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 »
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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.

27 April 2016
As impact investing continues to gain traction, DFIs and social investors have a unique opportunity to use their equity funding instrument to contribute further to the development of financially inclusive markets and achieve sustainable impact.
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English (16 pages)
20 April 2016
This paper draws upon formative research, “resilience diaries,” qualitative follow-up, and economic games to illustrate how families anticipate and cope with shocks in Burkina Faso. Designing for these household behaviors and preferences could improve financial services offered for building resilience.
Countries: 
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English (48 pages)
19 April 2016
This report shares the findings, observations and insights from a nationally-representative survey of smallholder households in Uganda. It examines how smallholder households in Uganda manage their income and expenses,and explores financial inclusion in the smallholder sector.
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English (97 pages)
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