Research & Analysis

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.

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.

National Payments Corporation of India and the Remaking of Payments

The story of National Payments Corporation of India sheds light on the quick and robust transformation of India’s payment systems. The lessons learned from the NPCI success story can be useful for policy makers in financial inclusion and other markets.

Smallholder Households: Distinct Segments, Different Needs

CGAP research identifies three segments of smallholder households and uses data from nationally representative surveys of smallholder households to outline recommendations on high-value financial solutions.

API Pricing for Digital Financial Service Providers: Getting Started

Learn how to device an API pricing strategy that supports business goals, generates value for consumers, and aligns with market expectations.

Testing the Waters: Digital Payments for Water and Sanitation

A growing number of water providers are experimenting with digital payments to reduce operational expenses and streamline service delivery. This paper extracts lessons learned from 25 water providers across Africa, Asia, and Latin America.

Digital Finance for the Real Economy: Introduction

This slide deck describes how digital financial services can impact the real economy and contribute to global development in sectors like water, energy, health and education.