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.

13 January 2016
This working paper aims to provide insights on the role that effective competition and competition policy play in developing MFS, and in turn promoting financial inclusion using Kenya and Tanzania as case countries.
Countries: 
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English (595.64 KB)
15 December 2015
After steadily increasing in previous years, international funding of financial inclusion is estimated to have plateaued at $31 billion in 2014.
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English (112.83 KB)
15 December 2015
Recourse systems can help consumers overcome the challenges related to product adoption and continued use by helping resolve initial problems or challenges quickly, which can build trust in providers and their products, and increase uptake and customer retention.
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English (94.76 KB)
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