This study aims to map the market system for DFS in WAEMU, including key actors in supply and demand, rules (e.g., regulations for e-money, telecommunications, competition), and supporting functions (e.g., agent networks, information providers); identify systemic constraints or root causes that explain why the DFS market is currently not serving the needs of low-income populations; and identify opportunities for triggering systems-level change.
This publication synthesizes learnings from across Zimbabwe, Senegal, Rwanda, and Cambodia, with the aim of providing financial service providers, donors, and other stakeholders with actionable insights into the ingredients for building successful, smallholder-specific digital financial services.
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.
Ghana is a promising market that should be ripe for branchless banking, but it has not grown as expected. CGAP believes there is potential for branchless banking to grow in Ghana and looks forward to engaging the market and helping its progression.
The rate of mobile money (MM) adoption among poor people remains low. However, the mechanisms driving adoption are similar to those of other segments. This analysis revealed that social networks and social interactions influence mobile money uptake.