Publication

Electric Bankers: Utility-Enabled Finance in Sub-Saharan Africa

Without appliances, people cannot make use of electricity. But how can low-income households afford costly electrical appliances? One answer is for utilities to offer consumer financing.
Publication

A Tale of Two Sisters: Microfinance Institutions and PAYGo Solar

Decisions on whether to compete or collaborate with new types of financial services providers and how to do so are some of the biggest challenges that MFIs face. Two global microfinance groups, Baobab and FINCA, have concluded that PAYGo financing can help them reach additional clients.
Publication

A Digital Credit Revolution: Insights from Borrowers in Kenya and Tanzania

To identify who is using digital credit, the purposes for which it is used, and the risks borrowers experience, CGAP, FSD Kenya, and FSD Tanzania undertook the first large-scale surveys dedicated to these topics.
Publication

Using Satellite Data to Scale Smallholder Agricultural Insurance

Smallholder families that use agricultural insurance can increase investments in more productive farming and nonfarming ventures as they feel more confident in managing related risks. However, significantly scaling the use of agricultural insurance among smallholders has been difficult in many parts of the world, especially in Africa.
Publication

Building Inclusive Payment Ecosystems in Tanzania and Ghana

Across Sub-Saharan Africa, new success stories are playing out, yet little is understood about the approaches many countries in the region have taken to develop inclusive payment ecosystems. CGAP set out to examine pathways to inclusive payment ecosystems in two Sub-Saharan African countries, Tanzania and Ghana, to learn from their experiences.
Publication

Basic Regulatory Enablers for Digital Financial Services

CGAP shows how an enabling regulatory framework that is based on four enablers has contributed to advancing digital financial services in 10 countries.
Publication

Jordanians and Syrian Refugees: Remittances and Financial Services Use

How do you increase financial inclusion when the most vulnerable and financially excluded part of your population becomes host to a massive, even more vulnerable, and even less financially included group of refugees? Building on a quantitative survey, this research shows that for financial services to work for refugees, they also need to work at scale in-country.
Publication

Paving the Way for Digital Financial Services in Jordan

As more customers turn to formal financial services, remittances will have an even stronger developmental impact, especially in countries with large numbers of people displaced by humanitarian crises. This report examines the financial ecosystem and regulations in Jordan for international remittances, domestic payments and mobile money.
Publication

Customer Empowerment in Finance

Financial services providers for low-income customers typically believe that their business case is based on expanding the number of accounts or the number of transactions made by these customers. This is only part of the equation to business success.
Publication

Money, Decisions, and Control

Advances in digital technologies and the increased availability of data can be used to support low-income customers to do more than make payments. These advances can help them to make financial decisions and develop strategies to manage their finances.