Searching: 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.

Supply-Side Gender Disaggregated Data for Advancing Financial Inclusion: Insights and Areas for Further Research

Gender data is key for unlocking the potential of financial inclusion. This report explores the ways supply-side gender-disaggregated data (S-GDD) is being used to inform financial policies and strategies that seek to intentionally apply a gender lens.

Digital Financial Services for Financial Inclusion: Tools for Supervisors

This technical guide provides supervisors with tools and practical guidance on supervision of digital financial services (DFS).

Climate Risk and Financial Inclusion: A Regulatory Perspective

Climate change risks may drive the financial sector away from serving the least profitable and most climate-exposed clients, namely low-income, rural households, and micro, small, and medium enterprises. This new working paper outlines how inclusive green finance policies can help reduce these risks, creating a more stable and resilient real economy.

Social Media Monitoring to Assess Consumer Risks in Digital Credit Apps: Guidance for Supervisors from an India Pilot

To better understand the digital consumer credit and the risks they pose for customers, this reading deck contains supervisory guidance on the use of a branch of AI, Natural Language Processing (NLP), for social media monitoring. It is based on insights and lessons from an India pilot and provides examples of social media analyses carried out as part of that pilot.

Customer Outcomes-Based Approach to Consumer Protection: A Guide to Measuring Outcomes

Based on a pilot involving the Financial Sector Conduct Authority and five financial services providers (FSPs) in South Africa, this deck shares lessons on how financial supervisors and FSPs can measure customer outcomes, which reflect the experiences and results of a customer's access to and use of financial services.

The Evolution of the Nature and Scale of DFS Consumer Risks: A Review of Evidence

While digital financial services have delivered substantial financial inclusion benefits and unlocked life-changing opportunities for consumers, CGAP’s latest research finds that they have exacerbated existing consumer risks and continue to introduce new and ever-evolving risks—some outgrowing consumer adoption rates.

Digital Banks: How Can They be Regulated to Deepen Financial Inclusion?

This reading deck describes three regulatory approaches used by policy-makers to regulate digital banks. It has a focus on harnessing the potential of digital banks to bring welcome competition and innovation to the banking sector and advance financial inclusion.

Regulatory Approaches to the Interest Earned on E-Money Float Accounts

What happens to interest earned on float accounts? CGAP believe that electronic money issuers should be allowed – but not required – to distribute some or all of the float interest to their e-money customers.