Blog Series

Regulatory Sandboxes: What Have We Learned So Far?

A regulatory sandbox is a framework set up by a regulator that allows FinTech startups and other innovators to conduct live experiments in a controlled environment under a regulator’s supervision. In this blog series, CGAP takes a critical look at…

Frontier Agents

GSMA's 2017 State of the Industry reports a global total of 5.3 million agents, an impressive sixfold increase over the 886,000 agents in existence just five years ago. However, the bulk of digital financial services (DFS) agents are in urban or…

Financial Inclusion and Water

About 700 million people lack a clean water source. One of the most difficult challenges in expanding access to clean water is helping water utilities become financially resilient in low-income areas, where revenue is generally low and operating…

Beyond KYC Utilities

Despite leading global bodies recognizing that financial exclusion can undermine efforts to fight money laundering and terrorism financing, the high cost of complying with their requirements paradoxically makes it harder for financial services…

2017 Global Findex: What You Need to Know

The Global Findex is the world's most comprehensive data set on financial inclusion. Launched with support from the Bill & Melinda Gates Foundation and published every three years, it consists of nationally representative surveys of roughly 150,…

More In-Depth: Selected Analysis of International Funding for Financial Inclusion

What areas of financial inclusion are funders focusing on? Which countries are receiving the most funding? Are funders’ interventions making a difference? In this blog series, we look at data on international funding for financial inclusion and…

Why Information is Critical to Financial Inclusion

Information is a key component of any functional market: quality information can provide the necessary incentives to market actors to enter a market, expand offerings, and innovate. Conversely, the lack of reliable quality information can lead to…

What’s the Evidence on Over-Indebtedness?

This kicks-off a blog series on over-indebtedness. 

Using Behavioral Research for Better Consumer Protection Policy

Policymakers in emerging markets are only recently starting to use behavioral methods to address consumer protection challenges. Making financial markets fair for poor consumers can be difficult, but there are some straightforward ways in which…

Update on Brazil

This series of posts draws on two new pieces of research from Brazil, a survey on the use of agents from Bankable Frontier Associates, and a financial diaries project conducted by CGAP that covered 123 households, to describe the picture of…

Understanding Demand for Smallholder Financing

An estimated 500 million smallholder families live on less than $2 a day. Smallholder families are not only agricultural producers. They are also consumers who have diverse financial needs, typically earning income from a variety of non-agricultural…

The Russian Financial Inclusion Landscape

The Russian Federation presents a picture of rapid and accelerating change in the financial inclusion landscape for lower income Russians in the years since transition to a market economy. Since 2008, when CGAP conducted its first research on the…

The Power of Smartphone Interfaces for Mobile Money

CGAP holds that smartphones are likely to become the main interface for mobile money use. A well-designed interface will drive growth, profitability and a much improved user experience. Unlike clunky and clumsy hierarchical menu-driven interfaces (…

The Journey to Customer-Centricity

Learning from a project with Janalakshmi, an Indian microfinance institution with more than a million customers, this multi-part blog series explores what it takes to embed customer-centricity within an organization and make it part of its DNA.

The Graduation Approach: Perspectives from Around the World

Pioneered by BRAC in Bangladesh, the Graduation Approach aims to move people out of extreme poverty and into sustainable livelihoods. It has been characterized from the outset by its emphasis on innovation, rigorous evaluation and knowledge exchange…

The Graduation Approach: Innovative Adaptations

Pioneered by BRAC in Bangladesh, the Graduation Approach aims to move people out of extreme poverty and into sustainable livelihoods. The Approach emphasizes innovation, rigorous evaluation and knowledge exchange. The blogs in this series describe…

The Global Landscape of Mobile Microinsurance

Over the last three years, there has been a rapid increase in the number of mobile microinsurance products launched worldwide. This growth reflects the emergence of new business models and of non-traditional players keen on innovating through new…

The Arab World and Financial Inclusion During Crises

Many donors and investors focusing on financial inclusion in the Arab World are considering how to adjust or adapt their work given the level of crisis in the region. This blog series share insights from organizations working in this situation, who…

Taking a Look at OTC vs. Wallets

This series will examine the business decisions involved when weighing over-the-counter transactions (IOTC) with electronic wallets when it comes to making mobile payments. OTC transactions occur when the sender or receiver does not use their own…