All Publications
Reading Deck
Platform Business Models
Most “unicorn” companies are platforms. But what exactly are platforms? What are the main business models? Are to what extent are they relevant to financial inclusion for low-income customers? Explore the answers in this slide deck.Publication
Agent Networks at the Last Mile
Most digital financial services users require agents to help them switch between worlds of cash and digital currency. Global evidence suggests six principles for building viable agent networks in rural areas home to poor, financially excluded populations.Publication
The Future of G2P Payments: Expanding Customer Choice
There’s a better way to deliver government-to-person (G2P) payments. Modernizing the delivery architecture can increase value for customers, lower government costs and create competition among financial service providers.Publication
Fintechs and Financial Inclusion
Based on pilots with 18 fintechs across Africa and South Asia, this paper identifies emerging fintech innovations with potential to improve the lives of the poor. It also highlights common challenges faced by early-stage fintechs.Publication
National Payments Corporation of India and the Remaking of Payments
The story of National Payments Corporation of India sheds light on the quick and robust transformation of India’s payment systems. The lessons learned from the NPCI success story can be useful for policy makers in financial inclusion and other markets.Publication
Building Inclusive Payment Ecosystems in Tanzania and Ghana
Across Sub-Saharan Africa, new success stories are playing out, yet little is understood about the approaches many countries in the region have taken to develop inclusive payment ecosystems. CGAP set out to examine pathways to inclusive payment ecosystems in two Sub-Saharan African countries, Tanzania and Ghana, to learn from their experiences.Publication
Digitizing Agricultural Payments: Uganda's Coffee Value Chain
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.Publication
China's Alipay and WeChat Pay: Reaching Rural Users
This Brief explores the emergence, similarities, and differences between China's Alipay and WeChat Pay and the affects these elements may have on the way they compete in the rural arena.Reading Deck
Merchant Payments: Loyalty Playbook
CGAP worked closely with Dalberg to understand the ecosystem of and around merchants in Tanzania and the challenges they were facing on a day-to-day basis.Publication