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Algorithm Bias in Credit Scoring: What’s Inside the Black Box?

Computers can make faster, better, and less biased lending decisions than humans, but only if human bias hasn’t crept into their algorithms.

How Do Kenyans Really Use M-PESA?

Transaction data shows mobile money agents are more like petrol stations than barber shops, with few customers showing loyalty to particular agents.

Expanding the Horizons of Pay-as-You-Go Solar

As PAYGo solar companies seek to expand into new and challenging markets, they will need to lower their costs and improve repayment rates.

4 Next-Gen Fintech Models Bridging the Small Business Credit Gap

There is a staggering $4.9 trillion financing gap for micro and small businesses in emerging markets. These fintech models stand out for their ability to solve small businesses' credit needs at scale.

It Pays to Be Patient with Fintech Innovation

Take a look at some fintech pilots that didn't go as initially expected but yielded important insights about how to make better financial products.

These Emerging Fintech Innovations Are Centered on Poor Customers

After two years of piloting with 18 fintechs around the world, CGAP has identified several fintech innovations that advance financial inclusion.

Stepping Back: Product, Collections and Credit Risk in PAYGo Solar

While PAYGo solar companies can lower delinquency rates by improving their credit risk management practices, improving repayment starts with even more fundamental factors: having an affordable, quality product and effective collections.

PAYGo Solar Opens Pathways to Microfinance in Rural Senegal

A microfinance institution and pay-as-you-go solar company have teamed up to expand rural, low-income customers' access to microfinance based on their solar loan repayment histories.

From Smartphones to Solar Panels: Are Asset Finance Advances Pro-Poor?

Can asset financing improve the lives of low-income customers? And if so, which assets and financing approaches hold the most promise?

Is Digital Banking Better Banking for the Bottom of the Pyramid?

Digital banks are emerging in many developing countries. Can they do a better job than traditional banks of providing low-income customers with useful financial services?

Digital Credit Helping to Put Kids in Classrooms in Cote d'Ivoire

By partnering with farmers’ cooperatives to offer an innovative digital credit product, Advans is seeing high repayment rates and having an impact on school attendance in rural Cote d'Ivoire.

Growth vs. Sustainability: Credit Risk in PAYGo Solar

Rapid customer growth in PAYGo solar can come with a cost: too many customers that don’t repay. To better understand the realities and challenges of running a PAYGo credit operation, we spoke with heads of credit and risk at PAYGo solar companies, equity investors and creditors.

Where Do We PAYGo from Here? PAYGo Beyond Solar

Pay-as-you-go financing is increasing poor people’s access to life-changing assets beyond home solar systems, from solar-powered water pumps to smartphones.

Super Platforms: Connecting Farmers to Markets in Africa

In Africa, super platforms aren't just connecting customers and merchants. They're also connecting farmers to markets.

Client Registration: The Blind Spot in Agricultural Insurance

This agricultural insurance provider tripled its product registration rates in rural Nigeria by improving its registration process.

A Digital Platform to Manage Out-of-Pocket Health Care Expenses

The M-TIBA mobile health wallet combines savings, remittances and other digital financial services to help low-income customers cover health care expenses.

China's Super Platforms: The Impact Question

What impact are super platforms having on low-income customers and small businesses? CGAP and Mastercard Foundation traveled to China to see firsthand.

Bringing Health Microinsurance to Kenyans via Mobile Phone

Bundling microinsurance with other mobile financial products is making health insurance more affordable and useful for low-income patients in Kenya.

Public Clearinghouse Could Shake Up China’s Mobile Payment Market

China will soon require payments providers, including Alipay and WeChat Pay, to connect to a public online payments clearinghouse. Here’s what we know so far about how this institution will work and what it could mean for mobile payments.

Kenya’s Digital Credit Revolution Five Years On

It's been five years since Kenya launched its first digital credit solution. A new CGAP survey shows that one in four Kenyans has taken a digital loan, mostly for working capital and day-to-day consumption.