Blog

How Is the Pandemic Affecting Agents? Here’s What Providers Tell Us

As customers, agents and digital financial services providers adjust to COVID-19, it’s becoming clearer what a resilient agent network looks like. Providers should take note to prepare for future crises.
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Indonesia’s Retail Credit Crunch Requires Action to Keep Shelves Full

Indonesians could face empty shelves and a shrinking assortment of products due to credit crunches within consumer goods value chains brought on by COVID-19. Here are three things that can be done to keep the situation from snowballing.
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How Social Media Is Fueling Women’s Entrepreneurship in Myanmar

Many women in Myanmar and across Asia are using social media to conduct online commerce. Meet three entrepreneurs who are engaging in this type of informal e-commerce in Myanmar and have created jobs for other women.
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Hiding in Plain Site: Informal E-Commerce Among Women in Asia

Millions of women are buying and selling goods online across Asia — but, at least in Bangladesh, Myanmar and Pakistan, they’re not transacting on e-commerce platforms. They’re using social platforms instead, often without digital payments.
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E-Commerce Is Taking Off in Rural China: 3 Lessons for Other Countries

China's e-commerce market has $2 trillion in annual sales and is growing as digital services reach rural areas. CGAP visited several villages and spoke with farmers and manufacturers about e-commerce. Here's what we learned.
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Bringing Digital Finance Agents to the Last Mile in Indonesia

A recent CGAP publication identifies six principles for viable agent networks in rural areas. In this post, we look at how where Indonesia stands against these principles.
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BTPN Wow! Using Open APIs to Bring E-Commerce to Its 250,000 Agents

By connecting its agents to e-commerce platforms, BTPN is giving agents and end-customers in Indonesia more reasons to use its mobile banking service.
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Cloud Computing for Financial Inclusion: Lessons from the Philippines

For the first time, the Philippine central bank has allowed a bank to move its core banking operations to the cloud. Its approach, balancing caution with forward thinking, holds lessons for regulators in other countries.
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Cheaper Remittances: How Malaysia and the Philippines Paved the Way

Globally, people pay an average fee of 6.9 percent to send money to family and others abroad. In one of Asia’s largest remittance corridors, between Malaysia and the Philippines, the average fee is only 3.7 percent. Smart policies have played an important role in bringing prices down.
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How the Philippines Applied I-SIP Approach to Basic Deposit Accounts

Learn how the Philippine Central Bank is advancing financial inclusion using a new CGAP toolkit for policy makers.
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Using a Gamified Solution to Incentivize Mobile Money Agents

Empowering mobile money agents to provide exceptional customer service can be challenging. In Indonesia, BTPN has an innovative solution that uses gamification.
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Financial Innumeracy: A Global Problem for Digital Finance?

Mounting evidence suggests financial innumeracy presents a bigger barrier to financial inclusion than is often acknowledged. Here are three ways to improve numeracy.
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Listening to the Voice of the Customer: Social Media and Beyond

Financial services providers can engage customers in new and exciting ways on social media, but call centers and other types of direct interaction still matter.
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China's Super Platforms: The Impact Question

What impact are super platforms having on low-income customers and small businesses? CGAP and Mastercard Foundation traveled to China to see firsthand.
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2017 Global Findex: Behind the Numbers on Rural China

What does (and doesn't) the latest Findex tell us about China's urban-rural divide in financial inclusion?
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Public Clearinghouse Could Shake Up China’s Mobile Payment Market

China will soon require payments providers, including Alipay and WeChat Pay, to connect to a public online payments clearinghouse. Here’s what we know so far about how this institution will work and what it could mean for mobile payments.
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Smartphones Are Common in Myanmar: Is Digital Finance Far Behind?

Smartphone penetration of 80 percent and low bank account access suggest that digital financial services will take off in Myanmar. China’s experience may offer clues about how and when this will happen.
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QR Codes and Financial Inclusion: Reasons for Optimism

QR codes are gaining traction in China as a way to make digital payments, but will they catch on in other countries?
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What Can Mobile Money Make Possible? China Has Many Answers

What's the secret to Alipay and WeChat Pay's success in mobile payments? Creating in-app universes of bundled services has played a big role by making mobile payments more useful to customers.
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Inside QR Codes: How Black & White Dots Simplify Digital Payments

QR codes last year facilitated $2.5 trillion in retail payments in China, and their use is gaining momentum in countries like India. But how do they work? And what is their potential to increase financial inclusion?