Publication

Developing Rural Agent Networks: Emerging Guidance for Funders

Funders are uniquely positioned to help expand rural Cash-in / Cash-out (CICO) agent networks by leveraging their financial resources, technical knowledge and convening power to align the incentives and build capacity of market actors, so that they design and implement self-sustaining solutions.
Publication

Banking in Layers: Five Cases to Illustrate How the Market Structure for Financial Services is Evolving

Exploring the market-level modularization of financial services through case studies featuring new models that are emerging, how they are coming about, and what they mean for the financial inclusion of low-income people in emerging markets and developing economies.
Publication

Fintech and Financial Inclusion: A Funders' Guide to Greater Impact

This practical guide, based on two years of global research, describes how development funders can identify promising fintechs and maximize the impact of their support.
Publication

Agent Network Journeys Toward the Last Mile: A Cross-Country Perspective

CGAP's analysis reveals three distinct journeys country stakeholders have taken to extend the reach and quality of rural agent networks.
COVID-19 Briefing

Social Assistance Payments in Response to COVID-19: The Role of Donors

Countries worldwide are using social assistance payments as a component of their response to the COVID-19 pandemic. This briefing addresses how donors and their partners can design and implement social assistance payments that are efficient and secure while providing recipients with reliable, convenient, and safe access to their payments.
Publication

Digital Cash Transfers in Times of COVID-19: Opportunities and Considerations for Women's Inclusion and Empowerment

The Bill & Melinda Gates Foundation, the World Bank Group, CGAP, and Women’s World Banking, has developed a joint white paper on gender intentional digital cash transfers in the time of COVID-19, offering guidance and considerations for policymakers to support women’s inclusion and empowerment.  
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

Agent Networks at the Last Mile

Most digital financial services users require agents to help them switch between worlds of cash and digital currency. Global evidence suggests six principles for building viable agent networks in rural areas home to poor, financially excluded populations.
Publication

The Future of G2P Payments: Expanding Customer Choice

There’s a better way to deliver government-to-person (G2P) payments. Modernizing the delivery architecture can increase value for customers, lower government costs and create competition among financial service providers.
Publication

Fintechs and Financial Inclusion

Based on pilots with 18 fintechs across Africa and South Asia, this paper identifies emerging fintech innovations with potential to improve the lives of the poor. It also highlights common challenges faced by early-stage fintechs.