All Publications
Reading Deck
Global Landscape: Data Trails of Digitally Included Poor (DIP) People
Many low-income people generate rich data trails that are not being fully leveraged in the design and delivery of financial services. CGAP's reading deck puts a spotlight on the specific data trails generated by digitally included yet poor people, the sources of these data trails, and variations of data trails across different segmentations.Infographic
Young Women and Financial Services: Maximizing Impact
Research has shown that marginalized young women can benefit from financial services in both economic and non-economic ways. But with over half a billion women aged 15-24 in the world, the life stages, needs, and contexts of this population are tremendously diverse. Among which segments of young women could investments in improved financial services make the most impact? This infographic highlights findings from a recent CGAP segmentation exercise.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.Publication
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.Publication
A Digital Credit Revolution: Insights from Borrowers in Kenya and Tanzania
To identify who is using digital credit, the purposes for which it is used, and the risks borrowers experience, CGAP, FSD Kenya, and FSD Tanzania undertook the first large-scale surveys dedicated to these topics.Publication
Using Satellite Data to Scale Smallholder Agricultural Insurance
Smallholder families that use agricultural insurance can increase investments in more productive farming and nonfarming ventures as they feel more confident in managing related risks. However, significantly scaling the use of agricultural insurance among smallholders has been difficult in many parts of the world, especially in Africa.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
Banking in the M-PESA Age
This Working Paper explores three approaches banks in Kenya have used to respond to mobile money. While nonbank mobile financial services can fundamentally reshape the financial sector in a developing market, as they have clearly done in Kenya, mobile services need not represent an existential threat to the traditional banking industry.Publication