Searching: Research & Analysis

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.

Debt Relief in the Pandemic: Lessons from India, Peru, and Uganda

The widespread use of debt moratoria in response to the COVID-19 health and economic emergencies has succeeded in stabilizing financial systems and given borrowers all over the world immediate, if temporary, relief. This Briefing examines how the debt moratoria unfolded in India, Peru and Uganda.

Eko Grows Agent Network Tenfold Through Open APIs

Eko India has used open APIs to become a platform business, which has enabled it to expand at considerably lower operational cost than its traditional agent business would have.

Inclusive Digital Banking: Emerging Markets Case Studies

What makes digital banking inclusive? CGAP looks at how three digital banks are innovating and driving financial inclusion: Tyme Bank in South Africa, Kotak 811 in India, and UnionBank of the Philippines.

Microfinance and COVID-19: Principles for Regulatory Response

As a result of the COVID-19 outbreak, further policy steps have proven necessary, both within and beyond the financial sector, to mitigate the impacts of the pandemic on businesses and ordinary people. This Briefing applies five guiding principle to country contexts, and specifically addresses what each principle means for regulatory responses to the COVID-19 crisis.

India's New Approach to Personal Data-Sharing

As more and more people begin to conduct transactions online, questions have emerged about how to provide millions of customers adequate data protection and privacy. India's solution to this challenge is account aggregators (AA).

Is Data Privacy Good for Business?

Do poor customers value data privacy? Six experiments in India and Kenya indicated they do and are willing to pay for it. For providers, this suggests that offering products with privacy and protection features can give them a competitive market edge.

National Payments Corporation of India and the Remaking of Payments

The story of National Payments Corporation of India sheds light on the quick and robust transformation of India’s payment systems. The lessons learned from the NPCI success story can be useful for policy makers in financial inclusion and other markets.

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.

Financial Services Apps in India

Smartphone applications offer a powerful tool for financial service providers to offer services to their customers—if done right. CGAP reviewed six smartphone apps currently available in India to find out what design elements are essential to fully deliver on the promise of marrying a financial service with a smartphone interface.