Blog

Great Expectations: Fintech and the Poor

Fintech has attracted off-the-charts hype in the development community. But lost in all the excitement is a cool-headed assessment of what these shiny new things are really delivering for poor people. Greta Bull, in the first in a series of CGAP leadership essays, takes stock.
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Building Open APIs for Digital Finance? Think Sprints, Not Marathon

Digital financial services provides are finding that traditional software development approaches are not ideal for opening APIs. Here’s a better approach.
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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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Let’s Free Up Cash Networks by Rethinking Agent Regulations

Regulations often give big financial institutions near total control over mobile money cash-in/cash-out networks. Changing the rules would enable small entrepreneurs to play a bigger role in building last-mile cash networks.
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It’s Time to Deregulate Agent Cash In/Cash Out

Agent regulations often treat agents like extensions of bank branches. But the reality is that many agents conduct a far more limited range of financial activities and should be regulated differently.
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3 Data Protection Approaches That Go Beyond Consent

Consent forms are the backbone of data protection efforts worldwide, but there’s a problem: no one reads them. To protect people’s data, policy makers must go beyond consent.
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What’s Financial Health Got to Do with It?

Financial health can be a useful concept for those working toward financial inclusion, but it also presents challenges.
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Top 10 Blog Posts of 2018

The most popular posts of 2018 go beyond the hype that often surrounds digital innovations to ask important questions about their applicability and impact on financial inclusion.
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Data Protection and Financial Inclusion: Why Consent Is Not Enough

As the digital age progresses, consent is becoming a less meaningful way to protect people's rights over their data.
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A Better Way to Create a Regulatory Sandbox

Regulatory sandboxes usually evolve over time. Why not start with a simple version that's easy to update based on user feedback?
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Understanding Côte d’Ivoire’s Financially Excluded Women

Women are 45 percent less likely than men in Côte d’Ivoire to have a mobile money account. Low mobile phone ownership and financial innumeracy remain major barriers.
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The Time for Data Protection Legislation Is Now

Data protection concerns are growing in emerging markets. Here are some data protection challenges that should be on policy makers' radars.
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Teller to Techie: Empowering All Employees to Act on Customer Insights

Sometimes the employees who don’t interact with customers have the greatest impact on the customer experience. Making it easier for all employees to act on customer insights can help companies grow while advancing financial inclusion.
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One Thing Regulators Should Do Before Launching a Sandbox

Financial regulators should consult with industry early and often if they are thinking about creating a regulatory sandbox.
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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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What APIs Are Digital Financial Services Providers Opening?

What types of APIs are digital financial service providers opening in developing countries? CGAP has been keeping track and spotting trends.
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Digital Credit Helping to Put Kids in Classrooms in Cote d'Ivoire

By partnering with farmers’ cooperatives to offer an innovative digital credit product, Advans is seeing high repayment rates and having an impact on school attendance in rural Cote d'Ivoire.
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Cybersecurity for Mobile Financial Services: A Growing Problem

By the time Jonathon knew something was wrong, all the money in his mobile wallet had been stolen. What happened, and how can providers and policy makers better protect customers like Jonathon from cyber criminals?
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Global Financial Innovation Network: Not Global Yet

The rapidly evolving FinTech space has many regulators worried about their ability to keep pace. A new global network of regulators aims to offer practical guidance and promote cooperation in the space, but to succeed it will need a diverse membership.
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Growth vs. Sustainability: Credit Risk in PAYGo Solar

Rapid customer growth in PAYGo solar can come with a cost: too many customers that don’t repay. To better understand the realities and challenges of running a PAYGo credit operation, we spoke with heads of credit and risk at PAYGo solar companies, equity investors and creditors.