Research & Analysis

The Future of G2P Payments: Expanding Customer Choice

There’s a better way to deliver government-to-person (G2P) payments. Modernizing the delivery architecture can increase value for customers, lower government costs and create competition among financial service providers.

Beyond KYC Utilities: Collaborative Customer Due Diligence

CGAP has developed a typology to help policy makers and financial service providers evaluate the financial inclusion potential of a new range of collaborative approaches to customer due diligence to combat money laundering and terror financing.

How Open APIs Fueled Ekos Growth in India

Indian money transfer company Eko has seen major growth since they decided to open APIs in 2016. In this video, co-founder Abhinav Sinha describes the role that APIs have played in the business's growth and profitability.

Using Satellite Data in Financial Inclusion

Financial services providers that see an opportunity to reach financially excluded people in rural areas can use new technology to remotely gather and analyze data on potential customers. This guide explains foundational concepts of machine learning and how FSPs can apply those methods.

Credit Scoring in Financial Inclusion

Statistical models can help lenders in emerging markets standardize and improve their lending decisions. This guide emphasizes that the effectiveness of data analytics approaches often involves building a broader data-driven corporate culture.

Data-Driven Segmentation in Financial Inclusion

Financial services providers can improve their businesses by using segmentation to develop a more accurate understanding of their customers. This guide shows providers how they can use data analytics to understand their customers by performing more complex analyses and extracting insights that were previously hidden.

Emerging Evidence on Financial Inclusion

Recent research on the impact of financial services on the lives of low-income people tend to focus on microcredit or a single financial product. Recognizing the need for a more nuanced and clearer impact narrative, this Focus Note synthesizes evidence since 2014.

The Role of Financial Services in Youth Education and Employment

What roles do financial services play in enabling youth education and employment? This Working Paper, written for policy makers and funders, outlines the existing evidence and highlights important questions about how to deliver comprehensive and broad-reaching interventions at scale.

Smallholder Households: Distinct Segments, Different Needs

This infographic showcases the three segments of smallholder households that financial service providers, government bodies, and agricultural development partners should distinguish between when designing and delivering high-value services.

Fintechs and Financial Inclusion

Based on pilots with 18 fintechs across Africa and South Asia, this paper identifies emerging fintech innovations with potential to improve the lives of the poor. It also highlights common challenges faced by early-stage fintechs.