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.
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.
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.
Women Agents for Financial Inclusion: Exploring the Benefits, Constraints, and Potential Solutions
This working paper explores the benefits of having more women agents, the challenges they face, and potential solutions to promote their participation in the DFS ecosystem.
Driving Financial Resilience Through Formal Savings Among the Low-Income Population
Based on customer research in Cote d’Ivoire, Kenya, Morocco, Nigeria, and Uganda, this paper provides a synthesis of findings that help understand to what extent savings allowed customers to increase their financial resilience.
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.
Social and Solidarity Economy: Social Innovation Catalyst in Africa?
The report highlights internal and external factors impacting social and solidarity economy organizations in their social innovation process and presents a set of policy recommendations to unlock their potential.
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.
Policy Framework on MSME Data Collection: A Guide for Gender Inclusive Finance
This Framework provides data collection guidance for MSME and gender inclusive finance, defines an extended set of MSME finance indicators, and shares best practices to advance financial inclusion for MSMEs.
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.