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8 Lessons from Using a Messaging Platform to Support Digital Payments

Here are eight insights on how to use messaging platforms to increase financial literacy among smallholders.
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MTN Uganda Opens Up Mobile Money APIs

Uganda's largest telco just opened APIs that enable local developers to build apps that leverage its popular mobile money platform. Here are some lessons learned from MTN Uganda's open APIs journey so far.
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Off-Grid Solar Company Helping Customers Pay School Fees

In Africa, some of the most innovative ideas in education financing are coming from an unlikely source - an off-grid solar company.
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Bank-Led Digital Finance: Who’s Really Leading?

In countries where regulators favor “bank-led” digital finance models, nonbanks are playing important – even dominant – roles in digital finance.
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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.
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5 Insights into Credit Scoring for Smallholders

Agricultural lending remains a frontier area even as the alternative lending space fills up with new players. Here are some early insights from CGAP's work on alternative credit scoring for smallholder farmers in Uganda.
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FinTech Partnerships: Choose Carefully, Then Evolve

FinTech startups in developing markets are leveraging partnerships to reach customers as diverse as women's savings groups, dairy cooperatives and smallholder farmers.
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FinTech for the Poor: Not All Virtual, Not All Apps

FinTech isn't always about rolling out a dazzling new smartphone app. In places where USSD phones are the norm, it means something quite different.
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Can Uganda Reduce Financial Exclusion to 5% in 5 Years?

Here's what you need to know about Uganda's new financial inclusion strategy, which aims to cut financial exclusion from 15 to 5 percent by 2022.
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Making Digital Payments Work for Low-Income Farmers

From hurling sacks of money out of planes to transporting cash in armored cars, the methods used to pay farmers in Uganda can be unsafe and inefficient. So why haven't digital payments taken off?
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Mapping Africa’s Latest Innovations in Digital Finance

CGAP received nearly 200 proposals from digital financial services providers across Africa interested in piloting new products. A look at those proposals — from 30 countries — shows that innovations are spreading beyond hot spots like Kenya.
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Women’s Financial Empowerment Is the Tide that Can Lift All Boats

Changing gender norms doesn't mean empowering women at the expense of men. When women have a voice in financial decisions, it can benefit the entire household.
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Schools in Africa Aren’t Taking Advantage of Mobile Money – Why?

Mobile money can make paying school fees easier and cheaper, so why aren't more schools adopting it? Part of the solution could involve a simple app for inexpensive smartphones and tablets.
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Meeting Education Finance Needs in Rural Uganda

In Uganda, CGAP partnered with a solar company to better understand the education finance needs of rural customers and explore how pay-as-you-go solar companies can get into education financing.
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Paying for School: 6 Insights for Better Financial Services

The inability to pay fees and other education expenses keeps many children out of school. What is the extent of these challenges, who is affected and what kinds of financial services could help?
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Agents for Everyone: Removing Agent Exclusivity in Kenya & Uganda

Mobile money and banking agents blend seamlessly into the daily economic lives of consumers in countries like Kenya and Uganda, offering convenience and expanding access points to financial services. But agent exclusivity clauses can limit customers' choices.
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Tugende: Analog Credit on Digital Wheels

In Uganda, Tugende has helped over 3,000 motorcycle taxi drivers on the path to ownership by leveraging new technologies that enable the purchasing of an asset over time. Tugende's success has four key lessons for other digital finance plus initiatives.
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Linking Mobile Banking with Village Groups in Uganda

In Uganda, WSBI and PostBank Uganda sought to encourage active individual savings for village group members while simultaneously providing efficiency gains via group lending. The solution? PBU’s low-cost VSLA Group Account, which has reached over 500,000 members.
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Achieving Financial Access through Village Banking and Data

In its work towards Universal Financial Access (UFA) by 2020, WSBI is using data to improve understanding of customer behaviors and needs.
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New Bill, Big Changes in Digital Financial Services in Uganda

In Uganda, the recently-passed Financial Inclusion Act Amendment Bill provides legal grounds for positive changes in the field of digital financial services, in terms of allowing new business models and greater choice and protection for customers.