Displaying 1 - 20 of 215 results
The Stories Behind Late Repayment on Digital Credit in Cote D’Ivoire
Borrowers in Cote D’Ivoire had higher rates of loan non-repayment than those in Kenya and Tanzania, and CGAP wanted to know why. Qualitative research results shed more light on the users’ experience and the possible causes of the late repayments.FATF's Proposed Rules for Payments: Balancing Integrity and Inclusion?
As the Financial Action Task Force (FATF) seeks feedback for its revised Recommendation 16, or "travel rule", it is imperative to consider potential impacts on the financial inclusion of low-income customers.Digitizing G2P Payments: Lessons from Indonesia
Indonesia's digitization transformation for G2P payments showcases what can be achieved when strong government commitment and collaboration are combined with advanced technologies.How Can Regulators Enable Last-Mile Agent Networks?
Extensive and inclusive cash-in/cash-out (CICO) agent networks are key to ensuring DFS access in rural areas. Regulators play an essential role here by enabling DFS providers to innovate agent network models that are sustainable in rural areas.Cash vs. Digital? Unleashing the Power of DFS through Agent Networks
The rise of DFS has sparked debate on cash's future in developing economies. But, despite increasing adoption of DFS, cash prevails in most global economies, emphasizing agent networks' crucial role as enablers rather than disruptors.Lessons From 4 Examples on the Leading Edge of Climate-Focused G2P
All G2P programs contribute to climate adaptation to some extent, with examples in India, Ethiopia, Kenya, and the Philippines showing us how specific program design features can support greater climate adaptation for recipients and their households.Climate-Focused G2P: Beyond Disaster Response
The current focus of G2P programs on emergency response is insufficient to support long-term climate change adaptation. Long-term adaptation must be considered, and designed into programs, to reduce intergenerational vulnerability to climate change.Regular Savings from Irregular Income: How Platforms Can Help
CGAP partnered with fintechs and platforms across Sub-Saharan Africa to understand how they are using digital rails to offer savings products to low-income gig workers. Here, we share what we found.Inclusive CBDCs: Inflated Expectations or A New Productivity?
Where will central bank digital currencies (CBDCs) land on the Gartner Hype Cycle? Are they full of inflated expectations, or a new tool for greater financial inclusion? We explore where CBDCs might provide at least incremental gains.Engaging Financial Services Providers in the Context of G2P Choice
This deck aims to help implementers of G2P choice programs in better reaching recipients and achieving program objectives.Instant Payments and Merchants — Pricing Policy Considerations
This technical note helps explain why changes in instant payment pricing are occurring, assesses their impact on market development, and offers suggestions for the path forward.Starting the Transaction: Payment Initiation and Customer Experience
This technical note is framed to help policymakers and payment system operators understand recent trends in payment initiation and customer experience in making interoperable payments work better for low-income populations.Doing Good by Doing Well: Women Banking Agents in India
In India's Bihar state, women Bank Sakhi agents help enable financial inclusion for rural, vulnerable, and hard-to-reach customers, more so than the traditional agents - but various gender norms constrain how they operate. We discuss solutions.G2P Recipients Are Worth Competing For
Open G2P systems have great potential to connect recipients with a host of PSPs from which they can choose to receive their transfers. TymeBank realized the profitability potential of G2P customers and turned it into a core aspect of their strategy.How Did Bancolombia Create a Successful Rural Agent Network at Scale?
Bancolombia is a great example of a provider that's been successful in developing rural agent business models at scale, therefore playing a critical role in furthering financial inclusion. Here, we look at the factors that explain their success.High Tech, High Touch: Bringing Formal Loans to Rural India
Despite its success developing digital public infrastructure to enable inclusive financial development, India still faces challenges in bringing formal credit to rural and low-income households. A new app supported by CGAP aims to provide a solution.Financial Inclusion-Friendly G2P: Recommendations for Stakeholders
G2P transfer experiments during the COVID-19 pandemic collectively demonstrate the importance of “financial inclusion (FI)-friendly” G2P - intentional architecting and implementation that support active DFS usage beyond an initial payment.When Fiat Fails for Remittances: Testing Cryptocurrency's Potential
Sanctions imposed on the Russian financial system have revealed shortcomings in cryptocurrency's current ability to boost inclusion – crypto users and their exchanges inhabit the offline world where the traditional financial system still holds sway.Building Blocks of a Modern G2P Architecture
G2P systems seldom fulfill their potential because they underutilize the capabilities of digital payments systems. As a result, recipients are prevented from exercising choice over the account or withdrawal points that are used.