Searching: Research & Analysis

Beyond Access: Thailand and the Frontiers of Financial Inclusion

Thailand is one of the few emerging economies far enough along the transition beyond expanding financial access to show what comes next. This case study examines its regulatory response to the shifting digital finance landscape and distills seven policy considerations for authorities and development partners navigating the second-generation of financial inclusion.

AI-Powered SupTech for Financial Inclusion: How Emerging Market Authorities Can Unlock Its Potential

AI-powered SupTech offers financial sector authorities in emerging markets and developing economies a timely opportunity to strengthen supervision, improve efficiency, and advance financial inclusion. This brief explores how authorities can adopt these tools responsibly through five priority recommendations: stronger legal foundations, realistic digital transformation, AI risk management, adaptive organizational culture, and deeper collaboration.

Advancing Competition for Financial Inclusion: Six Policy Considerations for Financial Sector Authorities

This Focus Note provides practical policy considerations for financial sector authorities to act on competition concerns using their existing mandates and regulatory toolkit. By applying a competition lens, authorities can promote competition in ways that advance financial inclusion while safeguarding stability, integrity, and consumer protection.

Solutions to Protect Consumers from Fraud in Digital Finance

This working paper presents a curated set of solutions for fraud (many of which are AI-powered), with more than 50 examples that have shown varying levels of success in protecting consumers from fraud in digital finance, across education, prevention, detection and disruption, and response and recovery.

Open Finance Oversight and Supervision: Emerging Practices and Early Lessons

This working paper brings new insights on the supervision of open finance to inform policy and regulatory design in emerging markets and developing economies.

Regulating Financial Innovation: What Does It Take?

This working paper introduces vision-guided regulation as an approach that helps financial sector regulators harness innovation for inclusive finance.

Safeguarding Financial Inclusion During Crises: Lessons for Policymaking

This paper offers guidance to financial safety-net authorities on designing crisis response measures that both restore financial stability and safeguard financial inclusion.

Competition for Financial Inclusion: A Conceptual Framework

The insights in this paper point to the importance of financial authorities applying an intentional competition lens and offer an analytical framework to help deliver more inclusive and resilient financial systems.

Responsible Digital Credit: Frontier Solutions for Authorities and Providers

CGAP compiles over 160 global initiatives that address consumer risks in digital credit, from overindebtedness to data misuse. Designed for authorities, providers, and support organizations, this Technical Guide offers a roadmap of solutions to build more customer-centric, risk-conscious and responsible digital credit ecosystems.

Gender Norms and Financial Regulation: The Case for Gender Lens Regulatory Analysis

To advance women’s financial inclusion, financial regulators must recognize that men and women experience the financial sector differently. This working paper provides a framework to assess how regulation can impact men and women differently. It aims to motivate regulators to move from gender-blind, to gender intentional approaches.