Top 10 Blog Posts of 2022

As 2022 comes to a close, it’s time for our annual roundup of the year’s most popular blog posts. As always, we hope that you’ve found the CGAP blog to be a useful source of expert commentary on the latest developments in financial inclusion, timely research and data, and new ideas. 

Word cloud from the top 10 blog posts of 2022

Our blog covered a diverse range of topics throughout the year. With the world largely past the worst of the COVID-19 pandemic, focus has shifted to other issues that require our attention – namely, a changing climate that disproportionately impacts those living in poverty. Ahead of World Environment Day 2022, CGAP CEO Sophie Sirtaine discussed why financial inclusion matters in this era of urgent climate change. We also took a look at the opportunities financial services offer platform workers, asked if funders can afford to ignore gender norms in financial inclusion, and dissected the long-standing debate on whether microfinance is a friend or foe to those living in poverty worldwide.  

Also in the spotlight this year was the Global Findex 2021, which was released over the summer. The dataset was rich with insights on global account ownership, usage, and financial resilience – particularly as they relate to digital finance – and our bloggers quicky set about analyzing the results. They discussed what the latest findings mean through the lens of consumer protection, how more effort is needed to sustain the financial inclusion trajectory in Sub-Saharan Africa, whether the increase in G2P payments globally is translating to inclusion at scale, and, more broadly, do we have the right indicators to measure success?  

Check out our audience's favorite topics (and more) below.  

1. Financial Inclusion for an Inclusive, Greener, More Resilient World 

Woman signs a microfinance loan document

In her first blog post as CGAP CEO, Sophie Sirtaine proposed a global agenda for financial inclusion that leads to an inclusive, greener, and more resilient world. 



2. In an Era of Urgent Climate Risk, Does Financial Inclusion Matter? 

A woman works in a field. Photo by Hoang Long Ly

World Environment Day 2022, themed “Only One Earth”, reminded us that this planet is humanity’s only home, with finite resources that we must safeguard. In this blog, we looked not only at who pollutes, but who suffers the impact of climate change most.


3. Global Findex: Digitalization in COVID-19 Boosted Financial Inclusion 

A person uses mobile money. Photo by Tony Karumba via Communication for Development Ltd

The latest Global Findex contains a deep array of insights on global account ownership, usage, and financial resilience. Here, we examined two trends particularly worth exploring – the growth in digital payments that took place in the context of the COVID-19 pandemic, and the relationship between digital payment adoption and use of other financial services.


4. Mobile Payments Take Shape in Latin America & the Caribbean

A woman holds a phone in her hands. Photo by Lorena Velasco via Communication for Development Ltd

Mobile payments took hold over a decade ago, but Latin America didn't experience the traction seen elsewhere. Since then, two emerging business models for digital payments in Colombia and Haiti achieved particular success. What did they get right?


5. Friend or Foe to the World’s Poor? Settling the Microfinance Debate

A man at the vegetable market. Photo by Faryab Shakh

Microfinance was once again in the hot seat this year, with two debates fueling a seemingly never-ending cycle of support and criticism for the industry. In this blog, we proposed ways to close knowledge gaps that perpetuate these debates, which are also relevant for the broader financial inclusion community.


 6. Rethinking Consumer Protection: A Responsible Digital Finance Ecosystem  

Woman uses her mobile to access digital financial services. Photo by Arete/Mamadou Diop

With the rapidly changing digital finance market bringing new risks that can only be addressed through a new, holistic approach to consumer protection, this leadership essay argued that it is now time to build a “responsible digital finance ecosystem”.



7. The Essential Role of Finance in Education, Housing and Health Care

A boy writes at a school desk. Photo by: Mohammed Hammie

Believing that financial services can play a role in closing the essential services access gap, CGAP has spent the last decade exploring how financial services can advance access to essential services like education, energy and clean water for the world’s poor. Our findings suggest that financial services are important tools for advancing equitable access to quality essential services like education, housing, and health care.

8. Break the Bias: Evidence Shows Digital Finance Risks Hit Women Hardest 

Photo by Temilade Adelaja via Communication for Development Ltd.

For International Women’s Day 2022, CGAP identified dozens of consumer risks facing digital financial services users around the world, and emerging evidence suggests women are more at risk than men. In this piece, we highlighted some ways to mitigate these risks for women.


9. 3 Regulatory Challenges Posed by Platform-Based Finance

Woman uses a tablet. Photo by Deo Surah

Between the global big techs and the local unicorns, platforms will soon be a major force in financial services if they are not already. Here, we shared the three main sets of challenges platforms pose for regulators.



10. Growing Up, Growing Informal: Gender Differences in Financial Services

Woman with a baby on her back. Photo by Peter Kapuscinski, World Bank

Teenage men and women in Kenya and South Africa adopt formal savings accounts at similar rates. But when they hit their 20s, men continue to adopt formal services while women begin gravitating toward informal services. Why is that? 

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