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Blog Series

What Makes Digital Banking Inclusive? A Look at Emerging Evidence

Digital banks have created new possibilities for financial inclusion, but are digital banks actually reaching low-income customers? A new CGAP working paper, “Inclusive Digital Banking: Emerging Markets Case Studies,” presents emerging evidence suggesting that some digital banks are, in fact, becoming more inclusive. Complementing the findings of this working paper, this blog series further explores some questions including: What common traits are shared by inclusive digital banks? How are these banks leveraging technology to reach low-income customers? What can regulators do to support more inclusive digital banking?

Mobile banking in rural India
Blog
17 November 2020

Some Countries Have Digital Bank Licenses, Others Have Digital Banks

Some regulators are creating custom banking licenses for digital banks. Others are licensing digital banks with existing licenses. What's the better way to encourage digital banking?
Mobile phone user in Mali
Blog
11 November 2020

How Does Tech Make a Difference in Digital Banking?

Digital banks have been innovating faster than traditional banks, and the secret to their ingenuity has a lot to do with the agile business cultures made possible by their modern tech stacks.
Digital banking app
Blog
02 November 2020

What Makes Digital Banking Inclusive?

Just because digital banks can reach low-income customers doesn’t mean that they will. But new evidence suggests that in fact some digital banks are becoming more inclusive and sheds light on how they are reaching low-income customers.
Photo: Kailash Mittal, 2015 CGAP Photo Contest
Blog
29 June 2020

Digital Banks Increasingly Embrace a Platform Business Model

There are a billion mobile money wallets in developing countries that could be made far more relevant for low-income customers by a digital marketplace approach to banking.

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