Publication

Rapid Account Opening in a Pandemic

Governments and funders worldwide are responding to the severe economic blow from the COVID-19 pandemic by delivering social assistance payments to families and individuals. Increasingly, they are turning to digital delivery for disbursements, which has accelerated the demand for financial services providers (FSPs) to be able to open formal financial accounts rapidly and with minimal or zero physical contact with customers.
Publication

India's New Approach to Personal Data-Sharing

As more and more people begin to conduct transactions online, questions have emerged about how to provide millions of customers adequate data protection and privacy. India's solution to this challenge is account aggregators (AA).
Publication

Making Consumer Protection Regulation More Customer-Centric

Customer outcomes approaches are emerging as a promising consumer protection paradigm where the regulatory focus shifts from provider compliance with prescriptive check-the-box rules to customer results or outcomes achieved through provider actions.
Publication

Making Data Work for the Poor

The consumer consent model for data privacy and protection is broken. It’s time for a new data paradigm whereby financial services providers and data collectors take greater responsibility for protecting customers’ data.
Infographic

How to Make Data Work for the Poor

It's time for new approaches to data protection and privacy. This infographic showcases CGAP's solution in a visual format.
Publication

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.
Publication

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.
Slide Deck

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.
Slide Deck

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.
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.