Many low-income people generate rich data trails that are not being fully leveraged in the design and delivery of financial services. CGAP's reading deck puts a spotlight on the specific data trails generated by digitally included yet poor people, the sources of these data trails, and variations of data trails across different segmentations.

This Focus Note outlines the characteristics of IOC, maps the personas of the women who engage in it, and provides guidance to funders looking to support women to generate livelihoods through IOC.

CGAP's analysis reveals three distinct journeys country stakeholders have taken to extend the reach and quality of rural agent networks.