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

Applying the RIA Lite Methodology: An Example from Pakistan

This study looks at Pakistan’s nearly decade-old experience with regulating digital financial services (referred in the local context as branchless banking) as a test case for the RIA Lite methodology,
Publication

Smallholder Households: Understanding Demand, Driving Innovation

While there has been renewed appreciation for how reaching smallholder households could drive financial inclusion, little is known about this unique, yet massive client group.
Publication

Financial Diaries with Smallholder Families

CGAP's Smallholder Diaries explores the financial lives of farming families in Mozambique, Tanzania and Pakistan.
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

Early Insights from Financial Diaries of Smallholder Households

This Focus Note shares early insights from CGAP's ongoing Smallholder Diaries, providing a first look at the financial lives of smallholder households not only as agricultural producers, but also as consumers, laborers, and off-farm entrepreneurs.
Publication

Observations and Lessons for the I‐SIP Methodology from Pakistan

Pakistan is the second country selected for an I-SIP rapid research exercise. The main objectives of the research were to develop and refine the I-SIP Methodology, raise awareness of I-SIP linkages, and help Pakistani policy makers adopt the I-SIP Methodology.
Publication

Interoperability and the Pathways Towards Inclusive Retail Payments in Pakistan

Interoperability of retail payment instruments is not an objective in its own right; rather it is a means of achieving other desirable objectives.