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The New DNA of Innovation-Ready Financial Regulation

How do modern regulators keep up with rapid innovation? By rebuilding their regulatory DNA: clear vision, adaptive policy, digital infrastructure, and data-driven SupTech. Here, we break down the strands shaping the future of financial regulation.

Financial Health: Driving Growth in Latin America and the Caribbean

Account ownership in LAC has surged, but true progress means translating access into financial health. Banks can lead by using technology to build trust, design customer-first solutions, and expand inclusive digital ecosystems.

Innovation Requires New Skills – Are Regulators Hiring Accordingly?

Regulating innovation requires regulators to acquire new skillsets, most urgently around data and cybersecurity. Are they hiring experts in those fields? New CGAP analysis looking at leading innovative authorities provides some answers.

Six Ways Open Finance Can Drive Competition and Inclusion

Open finance can make financial markets more inclusive and competitive, but only if designed intentionally. CGAP highlights six policy levers to ensure it benefits low-income and underserved people.

From Access to Impact: It’s Time to Realize the Full Promise of Financial Inclusion

Part of CGAP’s new series on the World Bank’s Global Findex 2025, we draw from CGAP's and Accion's work to highlight six opportunities that need to be prioritized to unlock a golden opportunity for embracing growing digitization to shift financial inclusion from access to impact.

Banking on Progress: Why the Next Chapter of Financial Inclusion is so Important

New data from the World Bank’s Global Findex 2025 reveals significant progress on financial inclusion. But while much has been achieved, challenges remain and new solutions are needed to help reach the last mile and to unlock the power of financial services for development.

How Digitization Is Disrupting Collateral-Based Lending

Data is upending traditional lending models and can broaden access to finance.

AI and Responsible Finance: A Double-Edged Sword

Artificial Intelligence can transform financial inclusion and digital financial services, but it can also increase consumer risks like fraud, data misuse, and lack of transparency.

Finance Meets AI: Considerations for Public Authorities

How can public authorities support the financial sector to harness the power of AI while ensuring it operates within safe and ethical boundaries? Here, we propose three key considerations that could enable the responsible use of AI in finance.

Beyond the Balance Sheet: How Data is Rewriting the Investment Playbook

Inclusive credit fintechs can help narrow the financial inclusion gap—but their path is challenging. New data-driven asset managers are stepping in with transaction-based financing, offering the capital and credibility fintechs need to scale responsibly.

Avanti’s Digital Edge: Winning for Customers, Partners, and Growth

Avanti Finance leverages technology and partnerships to provide affordable, accessible financial services to low-income households in India, focusing on women. Their digital processes enhance efficiency, scalability, and customer experience.

Key Regulatory Developments for AI in Finance

AI is not a novel concept in finance; so, what is driving renewed interest in addressing regulatory gaps around the technology? CGAP desk research covering more than 100 jurisdictions identified five key global developments in AI regulation.

AI's Promise: A New Era for Financial Inclusion

In CGAP's latest leadership essay, CEO Sophie Sirtaine explores the vast potential of AI for greater financial inclusion, while highlighting the importance of managing its inherent risks carefully and proactively.

Convenience Drives Rapid Adoption of Account Aggregators in India

Open finance in India has grown rapidly, with a significant rise in linked accounts through Account Aggregators (AAs). New CGAP research offers insights on key drivers of AA adoption and areas for improvement to enhance customer experience.

Going Beyond Demand-Side Surveys to Measure Financial Health

Financial authorities should consider moving beyond just demand-side data for measuring financial health to supply-side data from FSPs and non-financial organizations. CGAP research calls for further exploration and testing of such data.

Fueling Micro-Retail: FMCGs & E-Commerce in Action

Fast-Moving Consumer Goods (FMCG) companies have a significant opportunity to enhance their supply chain efficiency, expand their market reach, and improve operational effectiveness by leveraging B2B (Business-to-Business) e-commerce platforms.

The Stories Behind Late Repayment on Digital Credit in Côte D’Ivoire

Borrowers in Cote D’Ivoire had higher rates of loan non-repayment than those in Kenya and Tanzania, and CGAP wanted to know why. Qualitative research results shed more light on the users’ experience and the possible causes of the late repayments.

Journey to Kigali: Four Lessons on Peer Learning for Gender Data

When it comes to strategies on gender-disaggregated data for women's financial inclusion, peer learning, diversity of approaches to gender data collection and use, and creative solutions in advancing gender equality in the financial sector are key.

What is Vision-Driven Financial Regulation?

Innovation drives progress, but the law shapes it. CGAP has been exploring the intersection between regulation, innovation, and financial inclusion through research on what makes some regulators better equipped to deal with innovation than others.

Trust and Awareness Will Be Key for Open Finance Adoption in India

India is pioneering open finance in developing economies, with 64 million accounts linked through its Account Aggregator ecosystem as of March 2024. As India continues to scale the ecosystem, early insights could help shape AA's future direction.