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Blog Series

Interoperability and Digital Financial Services

Interoperability, the ability for systems to connect and work together, allows for e-mails that pass effortlessly around the world and trains that travel between cities no matter who laid the tracks. Yet interoperability remains largely absent from the financial services used most frequently by the poor.

This blog series provides CGAP's views on the value proposition provided by interoperability; best practices in scheme governance, business models, and technology; and what steps can be taken to achieve effective, pro-poor interoperability for digital financial services. A supplementary publication and a paper to this blog series are available in FinDevGateway.

Two women use a mobile phone
Blog
16 February 2021

How Can Funders Promote Interoperable Payments?

Interoperability can make digital payments more convenient and useful for low-income customers. Find out how funders can support the development of interoperable payments systems.
A man uses his mobile phone on a crowded street in Belo Horizonte, Brazil
Blog
02 February 2021

Comparing India’s UPI and Brazil’s New Instant Payment System, PIX

Many countries are pressing forward with new systems to enable better, faster digital payments. Brazil's instant payment system, PIX, is among the newest and most exciting. How does it compare to India's well-known UPI system?
Filipino farmer uses his mobile phone. Photo: Lloyd Ericson Rodriguez, 2016 CGAP Photo Contest
Blog
28 February 2019

Should Funders Support Switches for Mobile Payment Interoperability?

Mobile payment switches aren’t the only path to interoperable financial systems – and they aren’t always the best path. Here are three questions funders should ask before they commit to building a switch.
Kenyans show their mobile phones. Photo by Jay Bendixen.
Blog
07 May 2018

East African Interoperability: Dispatches from the Home of M-Pesa

Kenyans can now send money between the country's two largest digital wallet services, Airtel and M-Pesa, the latest step toward interoperability in East Africa.
Caterpillar seller in Indonesia
Blog
06 February 2018

Connecting the Dots: Interoperability and Technology

For interoperability to work, technology must do more than move transactions from Point A to Point B. It must be optimized to ensure security, encourage use, promote innovation and handle the inevitable time when something goes wrong.
Mobile-savvy businesswoman in India
Blog
23 January 2018

Balancing the Economics of Interoperability in Digital Finance

Interoperability in digital payments hinges on more than the right technology. It also requires the right balance of economic incentives for participants.
Farmer motorcycles down dirt road in rural Mozambique
Blog
20 November 2017

Rules of the Road: Interoperability and Governance

Payment schemes like Visa and Mastercard emerged from banks agreeing to the terms needed to safely and efficiently exchange payments. What rules should digital payments providers follow?
Senegalese business woman. Photo by Jon Snyder, 2016 CGAP Photo Contest
Blog
14 November 2017

Interoperability and Customer Value

Interoperability makes it possible for customers to transact freely without compatibility issues, but its benefits don't end there. Here are three ways interoperability can advance financial inclusion.

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