All Publications

COVID-19 Briefing

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.
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

Open Banking: How to Design for Financial Inclusion

While many regulators in emerging and developing markets understand the potential benefits of open banking regimes, they are uncertain how to design them in ways that support financial inclusion. CGAP has identified 12 critical design components.
COVID-19 Briefing

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.
Publication

Development Finance Institutions and Financial Inclusion

It is time for DFIs to adopt an alternative approach to financial inclusion that prioritizes needed market changes. A shift to a market systems approach addresses this need and requires that DFIs carefully analyze each market to determine the key gaps, underlying causes, critical actors, and theory of change for bringing about sustainable market development.
Publication

Financial Inclusion for the Rural Poor Using Agent Networks in Peru

This working paper explores how installing branchless banking agents and implementing financial trust workshops in Peru impacts JUNTOS users’ attitudes towards the formal financial system and, in turn, their savings behavior within it.
Publication

Responsible Bundling of Microfinance Services

Financial institutions serving the poor can offer a range of savings, insurance, and even nonfinancial products in addition to their core credit products. Bundling these products into one packaged sale can be a cost-effective distribution strategy and a means to differentiate the provider’s offering by its added value to clients.
Publication

Mystery Shopping for Financial Services

This Technical Guide is designed to enable policy makers with jurisdiction over market conduct issues, consumer protection organizations, and development agencies to conduct mystery shopping exercises.
Publication

Juntos Finanzas: A Case Study

This case study describes the Juntos platform, which aims to address the engagement gap between customers and providers. It describes how it works, what it can and cannot do, early results, and issues arising from initial implementations.