All Publications
The Impact of Mobile Money Interoperability on Financial Inclusion
This report assesses the impact of mobile money interoperability by considering the economic literature on interoperability more generally and utilizing a case study approach in five mobile money countries: Ghana, Kenya, Malawi, Rwanda and Tanzania.
Fintech for Who? Demand for Digital Financial Services and Fintech in Tanzania
This paper explores the drivers of demand for digital financial services and fintech: perceived cost, perceived usefulness, perceived ease of use, perceived risk, and social norms.
Scaling up Access to Finance in Kigoma, Tanzania
This study shares lessons learned in building financial and digital capability while introducing agricultural technology interventions to savings groups through the UN Kigoma Joint Program.
What it Takes: Insights From Women Leaders in Financial Inclusion
This case study research shares the insights of past program participants in order to motivate other aspiring women leaders, provoke conversation, and inspire new career pathways.
Women & Money: Insights and a Path to Close the Gender Gap
This paper presents research findings on the key challenges women face in accessing digital financial services and the design opportunities for the financial sector, policymakers and regulators, the philanthropic sector, NGOs, and designers everywhere.
Resilient and Inclusive Financial Services Delivery During COVID-19
This report draws on the lessons that main actors in Zambia, Rwanda, and Sierra Leone have learned about resilience in the times of COVID-19 and identifies key insights into how they have continued to expand financial inclusion.
The Future of Government-to-Person (G2P) Payments: Three Years of Learning About G2P Choice in Zambia
This case study summarizes key lessons learned during the first three years of implementing a choice-based G2P payments model.
State of the Digital Financial Services Market in Zambia 2019
Results from the UNCDF Annual Provider Survey
Employment Effects in Impact Investments: Key Insights Emerging Across Studies in Tanzania and in Zimbabwe
The analysis concludes that the investments as part of the joint ILO-EU STRENGHTEN Project triggered an increase in employment numbers along with improved skills of the labor force, management systems of the investee companies, and labor practices.
Financial Education for the MSMEs: Identifying MSME Educational Needs
Demand-side case studies on educational programs for both supply and demand-side from Zambia, Jordan and Bangladesh