Across Sub-Saharan Africa, new success stories are playing out, yet little is understood about the approaches many countries in the region have taken to develop inclusive payment ecosystems. CGAP set out to examine pathways to inclusive payment ecosystems in two Sub-Saharan African countries, Tanzania and Ghana, to learn from their experiences.

CGAP shows how an enabling regulatory framework that is based on four enablers has contributed to advancing digital financial services in 10 countries.

This Brief explores the gender gap in financial inclusion among smallholder families in Tanzania and Mozambique through unique survey data that allow for a nationally representative look at smallholders.

It is time for DFIs to adopt an alternative approach to financial inclusion that prioritizes needed market changes. A shift to a market systems approach addresses this need and requires that DFIs carefully analyze each market to determine the key gaps, underlying causes, critical actors, and theory of change for bringing about sustainable market development.

Over three-quarters of the population in Tanzania are involved in the agriculture sector. Yet despite their active financial and agricultural lives, smallholders in Tanzania have few tools to manage their irregular and volatile household cash flows.

CGAP's Smallholder Diaries explores the financial lives of farming families in Mozambique, Tanzania and Pakistan.