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Empowering Small Giants: Inclusive Embedded Finance for Micro-Retailers

This report outlines various business models that incorporate last-mile retailers into digital ordering platforms, offering them convenience, transparency, and a wide range of products.


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

This paper is a call to action for climate practitioners and financial services stakeholders from across public, private, and philanthropic sectors to work together to unlock the full potential of financial inclusion for scaling grassroots climate action. 


The Role of Data in Inclusive Insurance

This paper identifies five ways in which data trails are being leveraged by private sector actors, including insurance carriers and technology providers, to offer “inclusive insurance” for low-income and other excluded segments, such as rural small-holder farmers and gig workers.


From Crisis to Resilience: The Role of Inclusive Finance in Fragile Countries

This working paper identifies three levers of change for funders in contexts where long-term financial market building is a challenge: leveraging humanitarian cash transfers, understanding informal financial services, and improving local market facilitation.

Guide / Toolkit

Open Finance Self-Assessment Tool and Development Roadmap

This technical guide introduces the open finance self-assessment tool and development roadmap. It provides practical tools for policymakers to use to decide whether to implement an open finance regime to advance financial inclusion.


The Building Blocks Supporting Open Finance

This working paper introduces the concept of an inclusive data ecosystem as one where low-income people’s data trails are used to improve their financial inclusion.


Leveraging Transactional Data for Micro and Small Enterprise Lending

This case study examines the data and experience of two fintechs in India that use different sets of transactional data for credit scoring.


Gender-Intentional Credit Scoring

This guide introduces a gender-lens analytical framework for lenders to determine whether lending decisions and outcomes in their portfolios differ by gender and, if so, how.


2022 Trends in International Funding for Financial Inclusion

The 2022 CGAP Funder Survey looks at the latest trends in international funding for financial inclusion. Understanding the funding landscape can support better funding decisions and coordination, and ultimately lead to better outcomes for underserved people worldwide.