All Publications
Reading Deck
Digital Banks: How Can They be Regulated to Deepen Financial Inclusion?
This reading deck describes three regulatory approaches used by policy-makers to regulate digital banks. It has a focus on harnessing the potential of digital banks to bring welcome competition and innovation to the banking sector and advance financial inclusion.
Publication
Regulatory Approaches to the Interest Earned on E-Money Float Accounts
What happens to interest earned on float accounts? CGAP believe that electronic money issuers should be allowed – but not required – to distribute some or all of the float interest to their e-money customers.Publication
Open Banking: How to Design for Financial Inclusion
While many regulators in emerging and developing markets understand the potential benefits of open banking regimes, they are uncertain how to design them in ways that support financial inclusion. CGAP has identified 12 critical design components.COVID-19 Briefing
Microfinance and COVID-19: Principles for Regulatory Response
As a result of the COVID-19 outbreak, further policy steps have proven necessary, both within and beyond the financial sector, to mitigate the impacts of the pandemic on businesses and ordinary people. This Briefing applies five guiding principle to country contexts, and specifically addresses what each principle means for regulatory responses to the COVID-19 crisis.Data
Microfinance & COVID-19: Examples of Regulatory Responses Affecting Microfinance Providers
This table provides country examples for regulatory responses identified in the Briefing Microfinance and COVID-19: Principles for Regulatory Response.Publication
How to Build a Regulatory Sandbox: A Practical Guide for Policy Makers
When is a regulatory sandbox the best method for financial regulators to test innovative products and services? And how can they use a sandbox for advancing financial inclusion? CGAP’s new guide leads regulators step by step through the decision-making process.COVID-19 Briefing
Microfinance and COVID-19: A Framework for Regulatory Response
A framework for identifying and assessing crisis responses must take account of the special characteristics of microfinance which leads to the question of how regulators should respond. A review of current practice in a range of countries suggests there are six key steps to be taken at the level of regulation and policy.Reading Deck
Platform Business Models
Most “unicorn” companies are platforms. But what exactly are platforms? What are the main business models? Are to what extent are they relevant to financial inclusion for low-income customers? Explore the answers in this slide deck.Publication
The Use of Agents by Digital Financial Services Providers
Agents play a crucial role in lowering the cost of delivery to reach the unbanked and underbanked population. An increasing number of countries, especially emerging markets and developing economies, allow a diverse array of banks and nonbank institutions to distribute digital financial services through agents.Publication