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Beyond Access: Thailand and the Frontiers of Financial Inclusion

Thailand is one of the few emerging economies far enough along the transition beyond expanding financial access to show what comes next. This case study examines its regulatory response to the shifting digital finance landscape and distills seven policy considerations for authorities and development partners navigating the second-generation of financial inclusion.

Using Disaggregated Regulatory Data to Support Financial Policy and Supervision

This Technical Guide shows financial sector authorities how to integrate sociodemographic data into regulatory reporting and decisions. Drawing on global experience and a CGAP pilot with the National Bank of Rwanda, it offers a four-level framework for assessing data systems. The Guide is complemented by the CGAP LENS with more than 230 customizable indicators aligned with regulatory priorities and data capacity.

The Role of Data in Inclusive Insurance

With 3.8 billion people in emerging markets lacking adequate insurance coverage, data plays a crucial role in enabling insurers to comprehend these segments' specific needs and risk profiles. This, in turn, helps develop more accurate risk assessment and pricing models for inclusive insurance offerings.

Open Finance Self-Assessment Tool and Development Roadmap

This technical guide introduces the open finance self-assessment tool and development roadmap. It provides practical tools for policymakers to use to decide whether to implement an open finance regime to advance financial inclusion and outline a development roadmap to guide the implementation process.

Leveraging Transactional Data for Micro and Small Enterprise Lending

The use of transactional data for credit underwriting can play a part in closing the estimated US$4.9 trillion global financing gap for micro and small enterprises. This case study examines the data and experience of two fintechs in India that use different sets of transactional data for credit scoring.

Gender-Intentional Credit Scoring

Evidence shows women often demonstrate higher loan repayment rates than men, suggesting they are lower-risk borrowers yet face higher barriers to loan approval. This guide introduces a gender-lens analytical framework for lenders to determine whether lending decisions and outcomes in their portfolios differ by gender and, if so, how.

Supply-Side Gender Disaggregated Data for Advancing Financial Inclusion: Insights and Areas for Further Research

Gender data is key for unlocking the potential of financial inclusion. This report explores the ways supply-side gender-disaggregated data (S-GDD) is being used to inform financial policies and strategies that seek to intentionally apply a gender lens.