All Publications

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Slide Deck

Contingent Lines of Credit (CLOC): A Liquidity Tool for Customer Climate Resilience

This reading deck explores how climate Contingent Lines of Credit (CLOCs) work, what design choices matter, and how they can complement savings, insurance, and other resilience tools.

Paper

Deepening Financial Inclusion for Young Women in Uganda

The paper summarizes Financial Sector Deepening Uganda (FSDU)'s research on how young Ugandan women move from school to work, from legal minority to full citizenship, and from ward to caregiver, specifically by accessing and using financial services.

Paper

Opening the Black Box on the Impact of Inclusive Credit

Inclusive credit is one of the most celebrated and contested tools in development. This Focus Note reframes that debate. Rather than asking whether credit works, it asks: for which borrowers, through what product designs, and under what conditions does inclusive credit generate meaningful benefit rather than harm?
Guide / Toolkit

Optimizing AML/CFT Risk Management with Technology and Analytics: A Playbook for Financial Institutions in Emerging Markets

This Good Practice Note explores how technology and advanced analytics can strengthen Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT) risk management through a more effective, risk-based approach.

Paper

Rewiring the System: Financial Education As Infrastructure, Not Isolated Programs

This brief reframes financial education as a supporting component of financial capability infrastructure rather than a primary consumer protection tool.

Slide Deck

Stablecoins in Humanitarian Cash Transfers

This deck assesses how stablecoins can help development funders improve cross-border transfers and last-mile delivery, offering practical guidance for humanitarian organizations and social protection actors navigating the realities of humanitarian payment systems.

Paper

Symbiotics Impact Report 2025

This report highlights key impact indicators, portfolio outreach, responsible investment practices, and sustainable development objectives aligned with the Sustainable Development Goals (SDGs).

Case Study

Access to Finance for Women MSMEs in Kenya

This case study examines Kenya’s policy, regulatory and institutional approaches to advancing women’s financial inclusion, with a focus on improving access to finance for women-owned and women-led MSMEs (WMSMEs).

Paper

Advancing Competition for Financial Inclusion: Six Policy Considerations for Financial Sector Authorities

This Focus Note provides practical policy considerations for financial sector authorities to act on competition concerns using their existing mandates and regulatory toolkit. By applying a competition lens, authorities can promote competition in ways that advance financial inclusion while safeguarding stability, integrity, and consumer protection.
Paper

An Analysis of Financial Literacy, Interest Rate Conditions, and Consumer Borrowing Behaviour in Ghana: A Case Study of Small-Borrowers

This study examined how financial literacy and interest rate conditions influence borrowing behavior among small borrowers in Asante Akim North Municipality of the Ashanti Region of Ghana.