Seasonal, Unsteady Income Drives Economic Vulnerability in Brazil

Although nearly 30 million Brazilians have moved out of poverty and into the middle class in the last decade, millions remain vulnerable due to seasonal and unpredictable income patterns.

Using Demand-side Surveys to Segment Client Groups in Brazil

Using data from a national household survey in Brazil, we segmented Brazilian respondents into six categories: Financially Excluded; Unbanked Bill Payers; Selective Users; Privileged Agent Non-Users; Banked Bill Payers; and Agent Super-Users.

Do Agents Improve Financial Inclusion? Evidence from Brazil

With more than 400,000 agents, Brazil has one of the largest agent networks in the world, but their impact on financial inclusion is mixed.