Blog

How Digital Innovation is Powering Latin America’s Financial Inclusion 

Digital innovation, inclusive fintechs, and progressive policies are transforming financial inclusion in the LAC region. With systems like PIX and open finance, millions now access, save, invest, and transact digitally, driving growth and reducing inequality.

Rethinking Evidence: When Does Inclusive Finance Work and for Whom

This leadership essay reassesses what we think we know as a sector, evaluating the strengths and weaknesses of the existing evidence base and proposing new methods for building a better one.

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.

Towards Right-Fit IMM: Orienting Around Outcomes

Achieving outcomes orientation in inclusive finance investing starts with understanding what shapes it. CGAP’s emerging framework highlights the factors influencing outcomes orientation in IMM — and where the capital value chain can focus to make it stronger.

Unlocking Invisible Barriers to Women’s Inclusion in East Africa

Invisible gender norms shape how everyone in the financial system behaves. CGAP & FSD Network research in Rwanda, Tanzania, and Uganda shows that making finance work for women means understanding those norms and how to intervene to change market actor behavior.

Physical Climate Risk Assessments: Understanding the Latest Resources 

Physical Climate Risk Assessments are essential for financial service providers to prepare for climate-related threats. There are now a range of open-source tools that can help. But with so many options, it can be hard to know where to start. We provide a run-down of the tools for FSPs and how to find the best fit.

How Morocco’s New WFI Coalition Redefines Business-as-Usual

Morocco’s Women’s Financial Inclusion Coalition is a bold, coordinated effort to close the country’s gender gap in finance by aligning public and private actors, linking policy to practice, and driving systemic, lasting change for women.

Climate Risk Assessment: Three Questions FSPs Should Ask

As climate events become more frequent and intense, inclusive FSPs are increasingly being asked to conduct Physical Climate Risk Assessments (PCRAs) by regulators, investors, and other stakeholders. We suggest three key questions FSPs should ask to ensure that PCRAs support a resilient evolution.

How Can Inclusive FSPs Adapt to Climate Change With Win-Win Strategies?

The current climate responses of many financial service providers often result in one party losing out. But win-win is possible. This blog advises how inclusive FSPs can reorient their climate responses towards win-win outcomes for themselves and their customers.

What National Strategies Tell Us About Responsible Finance

National Financial Inclusion Strategies remain a key policy tool to expand financial inclusion. By looking at what different NFIS prioritize, we can see how financial inclusion strategies are beginning to shape more responsible financial ecosystems.

Building Climate-Resilient Microfinance: Lessons from Pakistan

Here, we share three key lessons in resilience from Pakistan’s microfinance sector to help other microfinance institutions (MFIs) avoid climate change undermining their operations and commitment to driving financial inclusion.

Why Merchants Still Choose Cash in Sub-Saharan Africa

Digital merchant payments remain limited in Sub-Saharan Africa because current systems impose costs, frictions, and risks that don’t align with the realities of informal, low-margin MSMEs, making cash the more rational choice.

Beyond Borders: Expanding Financial Inclusion Through e-Commerce

Cross-border e-commerce enables women to expand their markets, reach new clients, and trade in greater volumes, while doing business remotely, saving time and improving efficiency. These transactions create a financial footprint that can help women qualify for loans, insurance, and other financial products.

The Power of Microdata From Global Findex

In this blog, CGAP goes beyond the aggregate data in Global Findex and uses its microdata to examine financial inclusion at the individual level. Here’s how we are doing it and why.

Beyond Account Access: Converting Financial Inclusion into Resilience

Account ownership in LMICs has nearly doubled since 2011, but financial resilience remains stubbornly low: just 56% of adults can access emergency funds within 30 days. Achieving true progress on financial resilience will mean moving beyond account ownership as the primary metric of success.

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.

How Has Regulating Digital Lending Enhanced Women’s Credit in Indonesia?

Intentionally embedding gender considerations into Indonesia’s peer-to-peer (P2P) and other fintech regulations and guidance could unlock new finance pathways for women entrepreneurs to access the finance they need to grow and thrive.

Women Bear the Cost of Underutilizing FATF’s Risk-Based Approach

The recently revised FATF Standards create new opportunities to apply proportionate AML/CFT measures that recognize women’s generally lower risk, helping close the gender gap in financial inclusion if policymakers act intentionally.

Findex 2025: Why Financial Inclusion Needs to be More Responsible

We unpack the biggest challenges that digital financial services pose to consumer safety, and recommend what providers, financial authorities and other actors can do to ensure that digital financial inclusion remains safe, fair, and trusted.

New Data Show the Key Role of Inclusive Finance in Climate Adaptation

Our latest Findex blog takes a deep dive into Findex 2025 data at the intersection of climate shocks, resilience, and financial services, and underscores the vital importance of generating bottom-up data on climate adaptation.