All Publications
Publication
Financial Services for Gig Workers: Lessons on Getting Design and Delivery Right
This brief highlights four examples of successful design and delivery methods employed by industry leaders in providing financial services to gig workers.Publication
The Setup: Partnerships and Conditions for Offering Financial Services to Gig Workers
Platforms can offer financial services to underserved gig workers through digital channels, but it's essential to have the right environment for payments, regulations, and analysis. In this brief, early lessons share how institutional partnerships can lead to successful market entry.Publication
Putting Gig Data to Work: Innovations in Expanding Credit Access
Learn how industry pioneers such as Moove and Karmalife have developed algorithms and products to use work and earnings data to extend credit to gig workers in this new brief.Publication
Instant Payments and Merchants — Pricing Policy Considerations
This technical note helps explain why changes in instant payment pricing are occurring, assesses their impact on market development, and offers suggestions for the path forward.Publication
Starting the Transaction: Payment Initiation and Customer Experience
This technical note is framed to help policymakers and payment system operators understand recent trends in payment initiation and customer experience in making interoperable payments work better for low-income populations.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.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.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
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