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.
Reading Deck

Customer Outcomes-Based Approach to Consumer Protection: A Guide to Measuring Outcomes

Based on a pilot involving the Financial Sector Conduct Authority and five financial services providers (FSPs) in South Africa, this deck shares lessons on how financial supervisors and FSPs can measure customer outcomes, which reflect the experiences and results of a customer's access to and use of financial services.
Publication

TymeBank Case Study: The Customer Impact of Inclusive Digital Banking

As a fully digital retail bank in South Africa, TymeBank has created a suite of basic products that cater to the essential financial needs of low-income rural customers.
Publication

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.
Publication

Customer Empowerment through Gamification

Absa, a large retail bank in South Africa, introduced gamification as part of a broader strategy to increase customer understanding and awareness of digital products and channels on offer.
Publication

Financial Inclusion - Linkages to Stability, Integrity and Protection

This report introduces and develops the concept that a proportionate approach to any financial inclusion measure (and specifically to its regulatory and supervisory design and implementation) should seek to optimize the I-SIP linkages.
Publication

CGAP G2P Research Project: South Africa Report

This report covers the South Africa study in which interviews were conducted and information gathered from three government agencies, two banks, and 10 focus groups of clients.
Publication

Regulation of Branchless Banking in South Africa

This update of CGAP’s 2008 “Notes on Regulation of Branchless Banking in South Africa” incorporates research conducted by CGAP in January 2010.
Publication

Mobile-Phone Banking and Low-Income Customers

This paper presents the first public findings on how low-income people view and use m-banking, using results of a survey of 515 low-income individuals in South Africa. Three hundred of those surveyed do not use m-banking, while 215 are customers of WIZZIT, a startup mobile banking provider. WIZZIT targets the 16 million South Africans who lack or have difficulty accessing formal banking services.