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Inclusive Fintech: How Startups are Bridging the Finance Gap for Microenterprises
Inclusive fintech startups are leveraging innovative credit products to support microenterprises in emerging markets. These startups use data, channel partnerships, and tailored pricing to make financial services more accessible and suitable for microenterprises. This focus note features a range of case studies based on CGAP's research and highlights the potential and actual impacts of microenterprise fintech models.Publication
The Role of Data in Inclusive Insurance
With 3.8 billion people in emerging markets lacking adequate insurance coverage, data plays a crucial role in enabling insurers to comprehend these segments' specific needs and risk profiles. This, in turn, helps develop more accurate risk assessment and pricing models for inclusive insurance offerings.Publication
Open Finance Self-Assessment Tool and Development Roadmap
This technical guide introduces the open finance self-assessment tool and development roadmap. It provides practical tools for policymakers to use to decide whether to implement an open finance regime to advance financial inclusion and outline a development roadmap to guide the implementation process.Publication
Gender-Intentional Credit Scoring
Evidence shows women often demonstrate higher loan repayment rates than men, suggesting they are lower-risk borrowers yet face higher barriers to loan approval. This guide introduces a gender-lens analytical framework for lenders to determine whether lending decisions and outcomes in their portfolios differ by gender and, if so, how.Publication
Building Value in Microfinance Through Digitization: Lessons from Loan Automation Pilots
Digitization has brought both hope and frustration to the microfinance industry. To address this, we identified and tested five core principles for successful implementation. This focus note summarizes our experience, evaluates the validity of the five principles, and offers key lessons learned for other industry stakeholders to adopt and scale a similar approach.Publication
Building Value in Microfinance Through Digitization: A Role for Funders
This note highlights the importance of funders in supporting the digital transformation of microfinance institutions (MFIs). The focus is on business intelligence and credit renewal automation to increase the success rate of MFI digitization. Funders play a crucial role in ensuring that MFIs continue to serve the most excluded and underserved customers in the future.Publication
Women Agents for Financial Inclusion: Exploring the Benefits, Constraints, and Potential Solutions
This working paper explores the benefits of having more women agents, the challenges they face, and potential solutions to promote their participation. It highlights that engaging women agents does not compromise performance and offers collaborative solutions for stakeholders to remove barriers and unlock the full potential of women in the DFS ecosystem.Publication
A Technical Guide to Unlock Agent Networks at the Last Mile
This guide outlines five key actions for DFS providers, regulators, and funders to expand rural CICO agent networks based on CGAP's global experience. These actions include building a vision for rural expansion, optimizing investment strategies for rural agents, and capturing the potential of women agents.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