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Publication

Leveraging Transactional Data for Micro and Small Enterprise Lending

The use of transactional data for credit underwriting can play a part in closing the estimated US$4.9 trillion global financing gap for micro and small enterprises. This case study examines the data and experience of two fintechs in India that use different sets of transactional data for credit scoring.
Reading Deck

Social Media Monitoring to Assess Consumer Risks in Digital Credit Apps: Guidance for Supervisors from an India Pilot

To better understand the digital consumer credit and the risks they pose for customers, this reading deck contains supervisory guidance on the use of a branch of AI, Natural Language Processing (NLP), for social media monitoring. It is based on insights and lessons from an India pilot and provides examples of social media analyses carried out as part of that pilot.
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.
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

Business Her Own Way: Creating Livelihoods Through Informal Online Commerce

This Focus Note outlines the characteristics of IOC, maps the personas of the women who engage in it, and provides guidance to funders looking to support women to generate livelihoods through IOC.
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

Eko Grows Agent Network Tenfold Through Open APIs

Eko India has used open APIs to become a platform business, which has enabled it to expand at considerably lower operational cost than its traditional agent business would have.