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

Assets Matter to Poor People

CGAP has undertaken a comprehensive review of the available evidence to understand (i) how asset ownership can lead to improvements in well-being for poor households and (ii) whether obtaining an asset through a loan or lease as opposed to a transfer, grant, or outright purchase affects the benefits associated with ownership.
Publication

Testing the Waters: Digital Payments for Water and Sanitation

A growing number of water providers are experimenting with digital payments to reduce operational expenses and streamline service delivery. This paper extracts lessons learned from 25 water providers across Africa, Asia, and Latin America.
Slide Deck

Digital Finance for the Real Economy: Introduction

This slide deck describes how digital financial services can contribute to international development across several sectors like energy, water, education and health.
Publication

Taming the Strange Beasts: Servicing and the Future of PAYGo

Despite its tremendous promise, the PAYGo industry is still young and challenging. Entrepreneurs and investors should expect and prepare for some failures. To plan for the future and prepare for unpleasant contingencies, there needs to be more focus on loan servicing in the PAYGo sector.
Slide Deck

Digital Finance for the Real Economy: Water

Digital financial services have enormous potential to achieve universal access to safe water and sanitation. This presentation is part of a series that synthesizes what we have learned and our insights into the power and challenges of digital finance.
Slide Deck

Digital Finance for the Real Economy: Energy

This slidedeck describes how digital finance can help achieve universal access to clean, affordable energy (SDG 7) in three major ways.
Slide Deck

Digital Finance for the Real Economy: Education

Education is a powerful tool to combat poverty. This slidedeck describes how digital finance can remove systemic barriers to high-quality global education in at least three ways.
Publication

Strange Beasts: Making Sense of PAYGo Solar Business Models

Despite their relatively recent emergence, PAYGo companies are rapidly approaching maturity. These businesses have the chance to reduce the energy poverty gap, drive financial inclusion, and improve the quality of life for millions of people.
Publication

Escaping Darkness: Understanding Consumer Value in PAYGo Solar

This paper uses research and interviews with customers to understand the value they derive from PAYGo solar, why they decided to purchase it, how they were able to afford and pay for it, and whether they considered the product a “good deal” in the end.