All Publications

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.
Reading Deck

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

A customer outcomes-based approach to consumer protection focuses on the experiences and results of a customer’s access to and use of financial services, which are consequences of a financial service provider's (FSP) products, delivery, conduct, and practices.
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

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

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.
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.
COVID-19 Briefing

COVID-19 and Disruptions to Vulnerable Rural Livelihoods in the Sahel

The livelihoods of vulnerable rural households in fragile environments such as Niger and the wider Sahel have been strongly affected by the unprecedented circumstances of the COVID-19 pandemic. A holistic, coordinated approach by stakeholders can help create solutions that make it possible for vulnerable rural households to escape the recurring cycle of emergency food aid and greatly enhance their resilience to future shocks.
Publication

Electric Bankers: Utility-Enabled Finance in Sub-Saharan Africa

Without appliances, people cannot make use of electricity. But how can low-income households afford costly electrical appliances? One answer is for utilities to offer consumer financing.
Publication

Is Data Privacy Good for Business?

Do poor customers value data privacy? Six experiments in India and Kenya indicated they do and are willing to pay for it. For providers, this suggests that offering products with privacy and protection features can give them a competitive market edge.