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How SMS Messaging Can Change Financial Behaviors

Pilots with mobile money providers in the Philippines and Paraguay showed that simple SMS messaging can increase mobile wallet transactions.
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Will Brazil Go Digital?

Small and medium banks in Brazil are starting to take advantage of new regulations that make it easier to adopt fully digital business models. What impact might this development have on financial inclusion in the longer term?
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Sowing Opportunities and Growing Possibilities in Paraguay

In Paraguay, a partnership between Fundación Capital and the government of Paraguay offers a compelling example of how the Graduation Approach can be integrated into public policy to halt extreme poverty.
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Cash or Cow? Weighing Monetary vs. In-Kind Asset Transfer

As Graduation Approaches have spread and scaled, so too have the discussions of the best approaches. Fundación Capital believes that programs should focus on in-cash rather than in-kind asset transfers. Why? Read more about the case for cash.
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How a Retail Chain Became Mexico’s No. 1 Bank Account Supplier

Saldazo, a Visa debit card product co-branded with Banamex bank, has made Mexico’s largest corner store retail chain – OXXO – the country’s number one transactional account supplier. Here are some key success factors, challenges and insights from this project.
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Those Star-Ratings Do Matter for Financial Inclusion

CGAP recently partnered with MercadoLibre, Latin America’s largest online retailer, to assess the potential of alternative data to boost financial inclusion. This research found that e-commerce data can be a powerful credit risk predictor for underbanked and unbanked people.
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Graduation Case Studies: An Opportunity to Learn & Scale Up

To further understand the opportunities and challenges faced by governments in the implementation of a Graduation Approach, the Ford Foundation has commissioned three case studies to examine the planning and execution of Graduation programs launched by the governments of Colombia, Peru and Ethiopia.
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The Replication Limits of M-Pesa in Latin America

Is the challenge of replicating the success of the M-Pesa model in Kenya more about implementation and management or about context and market structure? In Latin America and the Caribbean (LAC), the evidence points to context.
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Catalyzing Graduation with Village Savings and Loan Associations

In Haiti, Fonkoze recognized a need for post-graduation support for participants of its Chemen Lavi Miyò (CLM) (Pathway to a Better Life) program. One of the most promising solutions to date is the village savings and loan association (VSLA).
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Building a Toolbox for Bundling Services

In an increasingly competitive marketplace, could the bundling of credit with non-credit financial services be a viable solution for FSPs? EA Consultants designed and implemented a study with Crezcamos in Colombia to find out.
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Tech Relief for the High Cost of Field Research

Client-centered research can be expensive and logistically challenging. How can technology simplify this process?
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Reaching the Ultra Poor in Latin America

An interview with Alexandra N. Barrantes, of the OAS, on opportunities and challenges for the Graduation Approach in Latin America.
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Small Business Finance and Financial Inclusion in Latin America

Limited acceptance of digital payments and high fees associated with using such services are two obstacles to greater financial inclusion in Latin American countries. Can these issues be solved at the retailer level, rather than the individual level?
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DaviPlata: Taking Mobile G2P Payments to Scale in Colombia

DaviPlata, a mobile wallet offered by Banco Davivienda in Colombia, is an application helping to shift social safety net payments – often paid in cash – to digital delivery.
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Cashless & Cashy: The Yin-Yang of Digital Delivery in Peru

When it comes to delivering financial services to lower income segments in Peru, innovators have struck an interesting balance between cashless and cashy transactions.
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Five Lessons about Agent Networks in Peru

CGAP recently completed a study of five agent networks in Peru comprising more than 26,000 agents and 24 million monthly transactions to identify key success factors in reaching poor and rural areas.
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Regulation and Innovation: Hand in Hand?

The United Kingdom's Financial Conduct Authority just launched a new approach to dealing with the natural tension between consumer protection, innovation, and ensuring financial inclusion. Project Innovate is the UK's answer to supporting innovation where it could genuinely improve the lives of consumers.
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Can Agents Improve Conditional Cash Transfers in Peru?

Innovations for Poverty Action is working with the Peruvian Government to test conditional cash transfer programs that help poor people save more and receive their payments in more convenient ways.
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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.
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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.