Fish bazaar | Photo by Md. Mahabub Hossain Khan, 2016 CGAP Photo Contest Photo by Md. Mahabub Hossain Khan, 2016 CGAP Photo Contest

Business and Markets

Banks going digital. Tech giants integrating payments into their platforms. Off-grid solar companies offering mobile education loans. Every year, the digital economy is spurring new business models and attracting a wider range of players to the financial services industry, including non-traditional actors like fintechs and social networks. This diversity of providers and business models has enormous potential to advance financial inclusion and contribute toward achieving the Sustainable Development Goals (SDGs). CGAP’s research sheds light on promising business models that leverage digital technologies to design and deliver financial solutions for low-income customers. Our work also demonstrates how increased connectivity, facilitated by tools such as interoperable payments schemes and open APIs, can make it easier for innovators to offer useful, affordable financial solutions. 

By developing business models that leverage digital technology and by building the right connectivity through strategic partnerships, financial services providers can sustainably reach more low-income consumers with useful financial solutions.  

Latest Research

Data

Results Dashboard: CGAP Pulse Survey of Microfinance Institutions

This interactive dashboard allows you to explore the publicly available results of the CGAP Pulse Survey of Microfinance Institutions. Launched on 1 June 2020 and conducted every two weeks, the survey provides a high-level picture of how COVID-19 is impacting the microfinance sector at the global...

Publication

Microfinance and COVID-19: A Framework for Regulatory Response

A framework for identifying and assessing crisis responses must take account of the special characteristics of microfinance which leads to the question of how regulators should respond. A review of current practice in a range of countries suggests there are six key steps to be taken at the level of regulation and policy.
Slide Deck

How to Engage Third Parties with Your Open APIs

Aimed at CEOs, API project managers, and API sales and engagement leads within digital financial services providers who are looking to drive awareness and use of their APIs, this slide deck describes different third-party segments and introduces engagement strategies and activities for meeting the needs of these segments. 

Latest Blogs

Blog

COVID-19 Highlights Need for Stronger Safety Nets for Gig Workers

Although the impact of COVID-19 has varied by market and across different types of platforms, it has highlighted the volatile nature of platform work and the need for platforms to provide stronger social safety nets to workers.
Blog

Digital Banks Increasingly Embrace a Platform Business Model

There are a billion mobile money wallets in developing countries that could be made far more relevant for low-income customers by a digital marketplace approach to banking.
Blog

These Digital Banks Help Fintechs to Offer Banking Services

By enabling virtually any type of business to offer banking services cheaply and in record time, “banking-as-a-service” providers can dramatically reduce the barriers to entry into banking and potentially deepen financial inclusion.