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Publication
India's Push for Financial Inclusion
This Brief takes a look at India's financial inclusion effort--the Prime Minister’s Jan Dhan Yojana (PMJDY) program--two years since it launched in August 2014.Publication
Digital Finance Interoperability & Financial Inclusion
Interoperability—the ability for different systems to connect with one another—is attracting a lot of attention among digital finance experts. This Working Paper presents findings from a 20-country scan conducted in 2016 to assess the state of interoperability in select markets around the world.Publication
When is Microcredit Unsuitable?
Rapid expansion in the microfinance sector has been credited with advancing financial inclusion in India. This paper addresses what might constitute a loan mis-sale and seeks to inform the use of suitability guidelines for lending to low-income households by microfinance institutions, self-help groups, and various banks.Publication
Financial Inclusion for the Rural Poor Using Agent Networks in Peru
This working paper explores how installing branchless banking agents and implementing financial trust workshops in Peru impacts JUNTOS users’ attitudes towards the formal financial system and, in turn, their savings behavior within it.Publication
Digital Finance and Innovations in Financing for Education
Innovations in digital finance can play a role in the Sustainable Development Goals' aim to “ensure inclusive and equitable quality education and promote lifelong learning opportunities for all.”Publication
Deposit Insurance and Digital Financial Inclusion
This Brief summarizes issues relevant to deposit insurance arising from emerging digital stored-value products and offers three distinct approaches for countries to consider.Reading Deck
Smartphones and Mobile Money: Principles for UI/UX Design (1.0)
Smartphone interfaces could be a key to unlock value for low-literate consumers overcoming communication barriers imposed by early-stage feature phone-based model.Publication
Market System Assessment of Digital Financial Services in WAEMU
This study aims to map the market system for DFS in WAEMU, including key actors in supply and demand, rules (e.g., regulations for e-money, telecommunications, competition), and supporting functions (e.g., agent networks, information providers); identify systemic constraints or root causes that explain why the DFS market is currently not serving the needs of low-income populations; and identify opportunities for triggering systems-level change.Reading Deck