Research & Analysis

Financial Inclusion and Disruptive Innovation: Regulatory Implications

This working paper explores the latest wave of disruptive financial services innovations to better understand the regulatory changes that allow EMDEs to harness their financial inclusion potential while containing consumer and financial sector risk.

8 Billion Reasons: Inclusive Finance as a Catalyst for Climate Action

We cannot tackle climate change effectively without inclusive financial services. CGAP outlines five areas for collaborative action between stakeholders working on climate change and those working on inclusive finance in order to leverage inclusive finance to scale grassroots climate action.

The Role of Data in Inclusive Insurance

With 3.8 billion people in emerging markets lacking adequate insurance coverage, data plays a crucial role in enabling insurers to comprehend these segments' specific needs and risk profiles. This, in turn, helps develop more accurate risk assessment and pricing models for inclusive insurance offerings.

From Crisis to Resilience: The Role of Inclusive Finance in Fragile Countries

Inclusive finance can bolster resilience and unlock opportunities for low-income people in fragile countries. CGAP identifies three levers of change for funders: leveraging humanitarian cash transfers, understanding informal financial services, and improving local market facilitation.

Open Finance Self-Assessment Tool and Development Roadmap

This technical guide introduces the open finance self-assessment tool and development roadmap. It provides practical tools for policymakers to use to decide whether to implement an open finance regime to advance financial inclusion and outline a development roadmap to guide the implementation process.

Leveraging Transactional Data for Micro and Small Enterprise Lending

The use of transactional data for credit underwriting can play a part in closing the estimated US$4.9 trillion global financing gap for micro and small enterprises. This case study examines the data and experience of two fintechs in India that use different sets of transactional data for credit scoring.

International Funding for Financial Inclusion in 2022: Global and Regional Data

These data snapshots were generated from the 2022 CGAP Funder Survey, which reports funding commitments from 30 international funders, both public and private, as of the end of 2022.

2022 Trends in International Funding for Financial Inclusion

The 2022 CGAP Funder Survey looks at the latest trends in international funding for financial inclusion. Understanding the funding landscape can support better funding decisions and coordination, and ultimately lead to better outcomes for underserved people and communities worldwide.

Funding Explorer: Interactive Data for the 2022 CGAP Funder Survey

The Funding Explorer is a set of seven interactive dashboards reflecting active international financial inclusion funding commitments as of December 31, 2022. The Explorer uses data from the 2022 CGAP Funder Survey complemented by publicly available contextual indicators.  

Gender-Intentional Credit Scoring

Evidence shows women often demonstrate higher loan repayment rates than men, suggesting they are lower-risk borrowers yet face higher barriers to loan approval. This guide introduces a gender-lens analytical framework for lenders to determine whether lending decisions and outcomes in their portfolios differ by gender and, if so, how.