Research & Analysis

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.

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.

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.

Bolstering Women’s Climate Resilience and Adaptation through Financial Services

Financial services help people to reduce the impact of and to adapt to climate-related risks. Yet women have less access to such tools. This working paper illustrates how women are differently impacted by climate change and how financial services can play a better role in strengthening their autonomous adaptive capacities to climate change.

Strengthening Rural Women’s Climate Resilience: Opportunities for Financial and Agricultural Service Providers

Rural women are critical to ensuring global food security but disproportionately vulnerable to climate change. In this working paper, CGAP and Mercy Corps AgriFin provide an overview of 10 opportunities for service providers, investors, and donors to improve rural women’s climate resilience and share examples of innovative business solutions.

Resilient Rural Women: Applying Personas and Insights for Climate-Smart Innovation

This deck explores three personas of rural women and their distinct customer journeys through product and service engagement. It aims to provide a deeper understanding of the challenges and opportunities rural women face—including in the context of climate change. 

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.

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.

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.

2021 Trends in International Funding for Financial Inclusion

CGAP’s annual Funder Survey breaks down financial inclusion funding data to offer new intelligence about who’s doing what and where—insights that could be used to inform future development programming and coordination, to ultimately impact the lives of people living in poverty.