This update of CGAP’s 2009 “Diagnostic Report on the Legal and Regulatory Environment for Branchless Banking in Indonesia” incorporates research conducted by CGAP in January 2010.

This update of CGAP's 2008 "Notes on Regulation of Branchless Banking in the Philippines" incorporates research conducted by CGAP in January 2010.

The paper reviews how USAID, through two programs and in partnership with a series of market actors, helped change the microfinance market dynamics in the Philippines—from a specialized activity with limited outreach and highly dependent on subsidized credit, to a more inclusive and robust market-driven segment of the financial sector.

This Technical Guide is designed to enable policy makers with jurisdiction over market conduct issues, consumer protection organizations, and development agencies to conduct mystery shopping exercises.