All Publications

Publication

The Setup: Partnerships and Conditions for Offering Financial Services to Gig Workers

Platforms can offer financial services to underserved gig workers through digital channels, but it's essential to have the right environment for payments, regulations, and analysis. In this brief, early lessons share how institutional partnerships can lead to successful market entry.
Publication

Putting Gig Data to Work: Innovations in Expanding Credit Access

Learn how industry pioneers such as Moove and Karmalife have developed algorithms and products to use work and earnings data to extend credit to gig workers in this new brief.
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Financial Services for Gig Workers: Lessons on Getting Design and Delivery Right

This brief highlights four examples of successful design and delivery methods employed by industry leaders in providing financial services to gig workers.
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Digitization in Microfinance: Case Studies of Pathways to Success

This Working Paper takes a unique look at microfinance institution innovation with digital technologies by featuring case studies on five MFIs that successfully created measurable customer and business value through digitization:
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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.
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Responsible Bundling of Microfinance Services

Financial institutions serving the poor can offer a range of savings, insurance, and even nonfinancial products in addition to their core credit products. Bundling these products into one packaged sale can be a cost-effective distribution strategy and a means to differentiate the provider’s offering by its added value to clients.
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Mystery Shopping for Financial Services

This Technical Guide is designed to enable policy makers with jurisdiction over market conduct issues, consumer protection organizations, and development agencies to conduct mystery shopping exercises.
Publication

Supervision of Banks and Nonbanks Operating through Agents

This paper draws from research conducted in Brazil, Colombia, Kenya, Mexico, Pakistan, Peru, the Philippines, Tanzania, and Uganda to look at how providers identify, classify, and manage risks related to the use of agents and how supervisors assess providers.
Publication

Going Mobile with Conditional Cash Transfers

In 2011, Banco Davivienda introduced DaviPlata, a mobile wallet, to the general public in Colombia. This paper describes Davivienda's challenges.