All Publications
Inclusive Fintech: How Startups Are Bridging the Finance Gap for Microenterprises
This focus note features a range of case studies based on CGAP's research and highlights the potential and actual impacts of microenterprise fintech models.
Literature Review: Micro and Small Enterprise (MSEs’) Financing in Kenya, Uganda and India
The Literature Review delves into the landscape of women-owned nano and micro-enterprises in India, Kenya, and Uganda, summarizing the existing knowledge and gaps, with the aim of unlocking more capital and effectively meeting these enterprises' financial and non-financial needs.
Putting Agents to Use: Insights From a Multicountry Research on Customer’s Usage of CICO Agents
This report shares strategies for enhancing customer retention among cash-in and cash-out (CICO) agents.
Banking on Women Who Trade Across Borders
Drawing from interviews across Africa and Latin America, this report explores the challenges faced by female entrepreneurs and proposes solutions.
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.
Advancing Financial Inclusion Through Platform-Enabled Financial Services: Exploring Key Segments in Low- And Middle-Income Countries
This report highlights the actions that should be taken by countries, firms, and development actors to maximize the potential of digital platforms to contribute to low-income livelihoods and increase financial inclusion.
An Introduction to the Small Firm Diaries
The Small Firm Diaries is a global research initiative to better understand small firms in low-income neighborhoods of developing countries, especially the barriers to growth such firms face, through high frequency quantitative and qualitative data collection (“financial diaries”).
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.
A Technical Guide to Unlock Agent Networks at the Last Mile
This guide outlines five key actions for digital financial service providers, regulators, and funders to expand rural Cash-In and Cash-Out agent networks based on CGAP's global experience.
Indigenous Financial Service Research in Kenya, Ghana, and Togo
MSC conducted qualitative research in Kenya, Ghana and Togo and found that Indigenous Financial Services (IFS), such as rotating savings and credit associations (ROSCAs), informal moneylenders and burial societies play a critical role in driving access to finance for micro and small enterprises (MSEs).