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Risk-Based Customer Due Diligence: Regulatory Approaches

Regulators face a challenge in balancing policies on anti-money laundering and combating the financing of terrorism against their financial inclusion goals. This Technical Note provides guidance on using risk-based approaches to customer due diligence, with examples from around the world.

Beyond KYC Utilities: Collaborative Customer Due Diligence

CGAP has developed a typology to help policy makers and financial service providers evaluate the financial inclusion potential of a new range of collaborative approaches to customer due diligence to combat money laundering and terror financing.

Module 1: Introduction to Behavioral Policymaking

This course comprises four short learning modules that connect behavioral concepts to consumer protection priorities policy makers face and share use cases from policy makers across the globe.

Digital Credit Market Monitoring in Tanzania

Transactional and demographic data on over 20 million digital loans in Tanzania paints a first-of-its-kind picture of the digital credit market, revealing troubling rates of delinquency and default and suggesting that funders should place greater emphasis on consumer protection.

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.

Paving the Way for Digital Financial Services in Jordan

Customers are turning to formal channels that use digital and mobile technologies for remittances because these are often able to offer services at lower costs. As more customers turn to formal services, remittances will have an even stronger developmental impact, notably in countries where protracted humanitarian crises affect large numbers of people.

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.

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.

Mystery Shopping for Digital Financial Services

Practical guidance for policy makers and researchers on conducting field studies to test consumer experiences with digital financial services.

Fraud in Mobile Financial Services

Mobile financial services (MFS) have rapidly become a conduit for fraud and other criminal activity. Various fraud types have been noted in key MFS markets, including consumer-facing fraud from agents and third parties and fraud perpetrated against agents.