Recent Blogs
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Cloud Computing for Financial Inclusion: Lessons from the Philippines
For the first time, the Philippine central bank has allowed a bank to move its core banking operations to the cloud. Its approach, balancing caution with forward thinking, holds lessons for regulators in other countries.Blog
Regulator’s Friend or Foe? Cloud Computing in Financial Inclusion
When regulated and supervised properly, cloud computing can be a boon to financial institutions trying to reach underserved customers. Here are some tips for regulators and supervisors in emerging markets.Blog
Running a Sandbox May Cost Over $1M, Survey Shows
CGAP and the World Bank surveyed regulators across 30 countries to find out how and why they’re using regulatory sandboxes and what it takes to run one.Blog
Do Regulatory Sandboxes Impact Financial Inclusion? A Look at the Data
CGAP estimates that less than 25 percent of sandbox-tested solutions address financial inclusion. Here's how to change this.Blog
I-SIP Approach Helps Russia Shape Inclusive Financial Policy Making
Find out how Russia's central bank is using the I-SIP approach to promote financial inclusion.Blog
How the Philippines Applied I-SIP Approach to Basic Deposit Accounts
Learn how the Philippine Central Bank is advancing financial inclusion using a new CGAP toolkit for policy makers.Blog
A Growing Trend in Financial Regulation: Thematic Sandboxes
More regulators are experimenting with "thematic sandboxes" that are designed to advance a specific policy goal. Here are three types of thematic sandboxes we've seen emerge over the past year.Blog
Let’s Free Up Cash Networks by Rethinking Agent Regulations
Regulations often give big financial institutions near total control over mobile money cash-in/cash-out networks. Changing the rules would enable small entrepreneurs to play a bigger role in building last-mile cash networks.Blog
It’s Time to Deregulate Agent Cash In/Cash Out
Agent regulations often treat agents like extensions of bank branches. But the reality is that many agents conduct a far more limited range of financial activities and should be regulated differently.Blog
A Better Way to Create a Regulatory Sandbox
Regulatory sandboxes usually evolve over time. Why not start with a simple version that's easy to update based on user feedback?Blog
One Thing Regulators Should Do Before Launching a Sandbox
Financial regulators should consult with industry early and often if they are thinking about creating a regulatory sandbox.Blog
Global Financial Innovation Network: Not Global Yet
The rapidly evolving FinTech space has many regulators worried about their ability to keep pace. A new global network of regulators aims to offer practical guidance and promote cooperation in the space, but to succeed it will need a diverse membership.Blog
How Regulators Can Foster More Responsible Digital Credit
Regulators can help ensure digital credit helps, rather than harms, poor customers by taking these steps.Blog
4 Regulatory Enablers for Digital Finance: A Gender Perspective
Unless policies consider gender, we risk leaving behind the most vulnerable in society, particularly women, limiting our ability to achieve the SDGs. However, if implemented with gender in mind, the basic regulatory enablers of digital finance can increase women's financial inclusion.Blog
What Can We Learn from Sierra Leone’s New Regulatory Sandbox?
Sierra Leone's approach to setting up a regulatory sandbox for financial inclusion holds important lessons for other countries.Blog
RegTech and Digital Finance Supervision: A Leap into the Future
Are digital finance supervisors in emerging markets ready to adapt the latest regulatory compliance technologies?Blog
Better Regulations Can Spur Agent Banking in WAEMU
Regulations in the West African Economic and Monetary Union have enabled mobile money providers to double their agent networks since 2014, while restricting banks and microfinance institutions. Better regulations would create a level playing field and expand financial inclusion.Blog
What Should We Realistically Expect from Regulatory Sandboxes?
Just how far could regulatory sandboxes go toward spurring financial innovations in low-income countries?Blog
Regulatory Sandboxes: Potential for Financial Inclusion?
Regulatory sandboxes are now being used to spur FinTech innovations in 18 countries. What impact could these new regulatory tools have on financial inclusion going forward?Blog