The Evolution of the Nature and Scale of DFS Consumer Risks: A Review of Evidence

While digital financial services have delivered substantial financial inclusion benefits and unlocked life-changing opportunities for consumers, CGAP’s latest research finds that they have exacerbated existing consumer risks and continue to introduce new and ever-evolving risks—some outgrowing consumer adoption rates. These risks undermine the delivery of financial services to underserved and low-income consumers, especially women, and are likely to erode consumer trust in digital financial services.

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