Publication

Basic Regulatory Enablers for Digital Financial Services

CGAP shows how an enabling regulatory framework that is based on four enablers has contributed to advancing digital financial services in 10 countries.
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.
Publication

Regulatory Framework for DFS in Côte d’Ivoire

This diagnostic provides an analysis of the regulatory framework for DFS in Côte d’Ivoire, including its coverage, conducive features, and gaps and obstacles. The paper also offers recommendations on how to address these issues.
Publication

National Survey and Segmentation of Smallholder Households in Côte d’Ivoire

Côte d’Ivoire is the largest producer and exporter of cocoa beans and cashew nuts, and a top exporter of coffee and palm oil. Nevertheless, Ivorian smallholder farmers who contribute the most to the agricultural sector are largely neglected by formal financial institutions.
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CGAP Smallholder Household Surveys: Côte d’Ivoire User Guide

This paper presents the research methodology for "National Survey and Segmentation of Smallholder Households in Côte d’Ivoire."
Publication

Market System Assessment of Digital Financial Services in WAEMU

This study aims to map the market system for DFS in WAEMU, including key actors in supply and demand, rules (e.g., regulations for e-money, telecommunications, competition), and supporting functions (e.g., agent networks, information providers); identify systemic constraints or root causes that explain why the DFS market is currently not serving the needs of low-income populations; and identify opportunities for triggering systems-level change.
Publication

Customer Views of Customer Empowerment Synthesis Report

This report provides a synthesis of learning from this research. Separate reports for each country provide more detailed description and analysis in India, Cote d’Ivoire, and the Philippines.
Publication

Views on Customer Empowerment: Findings from Cote d’Ivoire

This study was conducted to identify and analyze the levels of empowerment among customers in Cote d'Ivoire of financial services and the obstacles to financial inclusion they may face.