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MICROFINANCE SECTOR
CGAP’s Global Pulse Survey of Microfinance Institutions, conducted June – December 2020, offered the first picture of how COVID-19 was affecting the microfinance sector at the global and regional levels. Following on the pulse survey, CGAP and Symbiotics began releasing joint “snapshots” on how the pandemic is affecting Symbiotics AGENT NETWORKS FOR DIGITAL FINANCIAL INCLUSION Putting principles into practice for stronger agent networks. In the resources below, CGAP provides practical recommendations for how financial services providers, policy makers, and regulators can deploy these six principles all the way to the last mile and expand financial inclusion. Developments in countries such as India and China DIGITAL BANKING AND FINANCIAL INCLUSION Digital transformation has opened the financial services market to new kinds of providers and business models with great disruptive potential. The banking industry has not been spared. The changing landscape of banking value chains has become a hot topic recently with neo-banks, challenger banks, open banking initiatives and the likeemerging
CUSTOMER SEGMENTATION TOOLKIT 8 9 C. Identify and Estimate Market Opportunities Two billion people around the world – more than half the adult population – are currently unbanked.1 Reaching even a small portion of this market offers significant potential. A GUIDE TO REGULATION AND SUPERVISION OF MICROFINANCE vii Preface This Guide updates CGAP’s 2003 Guiding Principles on Regulation and Supervision of Microfinance.The revisions reflect continuing developments in the global state of finan-cial access for poor and low-income customers, including the following: UNLOCKING BARRIERS: ADVANCES IN RURAL MOBILE BANKING IN MEXICO Telecomm is a decentralized government agency that operates the telegraph services, bridges data connectivity across the territory, and offers financial services such as domestic and international remittances, as well as bill payments. It has decided to launch a pilot program which seeks to close the three most common gaps in financial inclusion: technological infrastructure, channels and CREDIT SCORING IN FINANCIAL INCLUSION Consultative Group to Assist the Poor 1818 H Street NW, MSN F3K-306 Washington DC 20433 Internet: www.cgap.org Email: cgap@worldbank.org Telephone: +1 202 473 9594 DEVELOPMENT FINANCE INSTITUTIONS AND FINANCIAL INCLUSION 2 Our research suggests that DFIs can significantly increase their contribution to financial inclusion by (i) expanding their lens to thoroughly review how their interventions affect the entire financialsystem,
GROWTH AND VULNERABILITIES IN MICROFINANCE From 2004 to 2008 microfinance enjoyed unprecedented growth in emerging markets. According to data from the Microfinance Information Exchange (MIX), the sector expanded at historic rates, with averageannual asset growth
CGAP: EMPOWERING THE POOR THROUGH FINANCIAL SERVICESTOPICSRESEARCHABOUTCUSTOMERSBUSINESS AND MARKETSPOLICY CGAP (Consultative Group to Assist the Poor) is an independent think tank that works to empower poor people to capture opportunities and build resilience through financial services. Housed at the World Bank, CGAP is supported by over 30 leading development organizations committed to making financial services meet the needs of poor people.MICROFINANCE SECTOR
CGAP’s Global Pulse Survey of Microfinance Institutions, conducted June – December 2020, offered the first picture of how COVID-19 was affecting the microfinance sector at the global and regional levels. Following on the pulse survey, CGAP and Symbiotics began releasing joint “snapshots” on how the pandemic is affecting Symbiotics AGENT NETWORKS FOR DIGITAL FINANCIAL INCLUSION Putting principles into practice for stronger agent networks. In the resources below, CGAP provides practical recommendations for how financial services providers, policy makers, and regulators can deploy these six principles all the way to the last mile and expand financial inclusion. Developments in countries such as India and China DIGITAL BANKING AND FINANCIAL INCLUSION Digital transformation has opened the financial services market to new kinds of providers and business models with great disruptive potential. The banking industry has not been spared. The changing landscape of banking value chains has become a hot topic recently with neo-banks, challenger banks, open banking initiatives and the likeemerging
CUSTOMER SEGMENTATION TOOLKIT 8 9 C. Identify and Estimate Market Opportunities Two billion people around the world – more than half the adult population – are currently unbanked.1 Reaching even a small portion of this market offers significant potential. A GUIDE TO REGULATION AND SUPERVISION OF MICROFINANCE vii Preface This Guide updates CGAP’s 2003 Guiding Principles on Regulation and Supervision of Microfinance.The revisions reflect continuing developments in the global state of finan-cial access for poor and low-income customers, including the following: UNLOCKING BARRIERS: ADVANCES IN RURAL MOBILE BANKING IN MEXICO Telecomm is a decentralized government agency that operates the telegraph services, bridges data connectivity across the territory, and offers financial services such as domestic and international remittances, as well as bill payments. It has decided to launch a pilot program which seeks to close the three most common gaps in financial inclusion: technological infrastructure, channels and CREDIT SCORING IN FINANCIAL INCLUSION Consultative Group to Assist the Poor 1818 H Street NW, MSN F3K-306 Washington DC 20433 Internet: www.cgap.org Email: cgap@worldbank.org Telephone: +1 202 473 9594 DEVELOPMENT FINANCE INSTITUTIONS AND FINANCIAL INCLUSION 2 Our research suggests that DFIs can significantly increase their contribution to financial inclusion by (i) expanding their lens to thoroughly review how their interventions affect the entire financialsystem,
GROWTH AND VULNERABILITIES IN MICROFINANCE From 2004 to 2008 microfinance enjoyed unprecedented growth in emerging markets. According to data from the Microfinance Information Exchange (MIX), the sector expanded at historic rates, with averageannual asset growth
COVID-19 (CORONAVIRUS) INSIGHTS FOR INCLUSIVE FINANCE The twin global crises of a health pandemic and economic lockdowns are severely harming livelihoods of the poor and risk throwing 150 million people back into extreme poverty by the end of 2021, mainly in Africa and South Asia, according to World Bank estimates. While advances in financial services delivery over the last 10 years have given governments and individuals new tools for getting aid 3 LESSONS FOR BUILDING RESILIENCE THROUGH CUSTOMER CENTRICITY Hiroko Tanaka leads the JICA consultant team as a part of the FiAS project. Jayshree Venkatesan is an independent consultant and a senior policy fellow at the Leir Institute, the Fletcher School of Law andDiplomacy.
5 CHALLENGES FOR WOMEN’S FINANCIAL INCLUSION Nearly one of every three women in the world — or 1.1 billion — is excluded from the formal financial system. Globally, women are 7 percent less likely than men to have basic transactional accounts, and this disparity rises among the poor. Women living below $2 a day are 28 percent less likely than men to have a bank account. INVESTING IN HALF THE SKY: FUNDERS AND WOMEN’S FINANCIAL Despite the famous Chinese saying, “women hold up half the sky,” women still remain disproportionately excluded from meaningful financial services, digital technologies and economic opportunities. So it is not surprising that in recent years, advancing gender equity and women’s economic empowerment (WEE) has been high on the agenda for development funders. 4 CYBER ATTACKS THAT THREATEN FINANCIAL INCLUSION 4. Third-party threats. DFS providers rely on third parties for a range of services, such as mobile network, information technology and data storage solutions. Sometimes, these providers misuse their system rights to access confidential customer information that they can FINTECH AND FINANCIAL INCLUSION: A FUNDERS' GUIDE TO Many donors and impact investors today are looking to support new innovations to maximize their development impact. But with fintechs emerging all the time — many touting their potential to improve the lives of low-income, excluded customers with unproven business models — it is important for funders to be wary of hype and conduct due diligence in making investments and designing FINTECH AND DEVELOPMENT FUNDERS With a strategic approach, development funders can expand fintech’s impact on low-income communities and small businesses. This visualshowcases how.
FINTECH AND FINANCIAL INCLUSION Acknowledgments The authors would like to thank CGAP colleagues Jayshree Venkatesan, Faith Biegon, and Peter Zetterli for their research, analysis, and several of the ideas presented in this paper.CUSTOMER EXPERIENCE
16 17 Customer Journey Map A customer journey map is a tool that captures and communicates a customer’s journey through a specific product or service experience, such as signing up for a loan or FINANCIAL INCLUSION NAVIGATOR Please contact Estelle Lahaye (elahaye@worldbank.org) or Molly Tolzmann (mtolzmann@worldbank.org) to learn more about the Navigator and to explore possibilities for your organization. WHAT DOES THE NAVIGATOR LOOK FOR? The Navigator identifies four priority areas important for funders who want to advance financial inclusion and achieve sustainable development impact in complex environments. CGAP: EMPOWERING THE POOR THROUGH FINANCIAL SERVICESTOPICSRESEARCHABOUTCUSTOMERSBUSINESS AND MARKETSPOLICY CGAP (Consultative Group to Assist the Poor) is an independent think tank that works to empower poor people to capture opportunities and build resilience through financial services. Housed at the World Bank, CGAP is supported by over 30 leading development organizations committed to making financial services meet the needs of poor people. CUSTOMER-CENTRIC GUIDE The CGAP Customer-Centric Guide explores these challenges and emphasizes strategies and actions that lead to value for the business and for the customer. It offers guidance on how organizations can move toward customer-centric business models. Card photo by Dhrubajyoti Bhattacharjee, 2016 CGAP Photo Contest. Topic: Customers. PLATFORM BUSINESS MODELS FINANCIAL SERVICES FOR POOR Maria Fernandez Vidal May 2020 PLATFORM BUSINESS MODELS Financial services for poor people in the digital economy Anindya Majumdar, 2017CGAP Photo Contest
DIGITAL BANKING AND FINANCIAL INCLUSION Digital transformation has opened the financial services market to new kinds of providers and business models with great disruptive potential. The banking industry has not been spared. The changing landscape of banking value chains has become a hot topic recently with neo-banks, challenger banks, open banking initiatives and the likeemerging
UNLOCKING BARRIERS: ADVANCES IN RURAL MOBILE BANKING IN MEXICO Telecomm is a decentralized government agency that operates the telegraph services, bridges data connectivity across the territory, and offers financial services such as domestic and international remittances, as well as bill payments. It has decided to launch a pilot program which seeks to close the three most common gaps in financial inclusion: technological infrastructure, channels and THE ROLE OF MOBILE OPERATORS IN EXPANDING ACCESS TO FINANCE The fact that mobile phones can be used as transactional devices doesn’t necessarily mean that the mobile operator needs to “own” the financial service. Banks tend to view mobile banking as a way to enhance service to existing customers, while mobile operators are more focused on addressing the mass market and the unbanked (Ivatury and POLICY INTO PRACTICE: ZAMBIA ADVANCES WOMEN’S FINANCIAL The Policy Brief highlights eight broad policy recommendations: Build the awareness of policy makers and other stakeholders with regard to the financial needs of women in different market segments, and bring women leaders into policy dialogue. Modify and adjust legal, regulatory and supervisory frameworks, remove impediments and allowspace for
MOBILE PAYMENTS INFRASTRUCTURE ACCESS AND ITS REGULATION: USSD 1 . 1. Mobile Payments Infrastructure Access and Its Regulation — USSD . 1. The development of mobile payment services is an important financial innovation. VISION OF THE FUTURE: FINANCIAL INCLUSION 2025 FOCUS NOTE 2 Bangalore, London, and Washington, D.C., between October 2016 and February 2017. More than 100 thought leaders, innovators, development actors, and academics participated in these GROWTH AND VULNERABILITIES IN MICROFINANCE From 2004 to 2008 microfinance enjoyed unprecedented growth in emerging markets. According to data from the Microfinance Information Exchange (MIX), the sector expanded at historic rates, with averageannual asset growth
CGAP: EMPOWERING THE POOR THROUGH FINANCIAL SERVICESTOPICSRESEARCHABOUTCUSTOMERSBUSINESS AND MARKETSPOLICY CGAP (Consultative Group to Assist the Poor) is an independent think tank that works to empower poor people to capture opportunities and build resilience through financial services. Housed at the World Bank, CGAP is supported by over 30 leading development organizations committed to making financial services meet the needs of poor people. CUSTOMER-CENTRIC GUIDE The CGAP Customer-Centric Guide explores these challenges and emphasizes strategies and actions that lead to value for the business and for the customer. It offers guidance on how organizations can move toward customer-centric business models. Card photo by Dhrubajyoti Bhattacharjee, 2016 CGAP Photo Contest. Topic: Customers. PLATFORM BUSINESS MODELS FINANCIAL SERVICES FOR POOR Maria Fernandez Vidal May 2020 PLATFORM BUSINESS MODELS Financial services for poor people in the digital economy Anindya Majumdar, 2017CGAP Photo Contest
DIGITAL BANKING AND FINANCIAL INCLUSION Digital transformation has opened the financial services market to new kinds of providers and business models with great disruptive potential. The banking industry has not been spared. The changing landscape of banking value chains has become a hot topic recently with neo-banks, challenger banks, open banking initiatives and the likeemerging
UNLOCKING BARRIERS: ADVANCES IN RURAL MOBILE BANKING IN MEXICO Telecomm is a decentralized government agency that operates the telegraph services, bridges data connectivity across the territory, and offers financial services such as domestic and international remittances, as well as bill payments. It has decided to launch a pilot program which seeks to close the three most common gaps in financial inclusion: technological infrastructure, channels and THE ROLE OF MOBILE OPERATORS IN EXPANDING ACCESS TO FINANCE The fact that mobile phones can be used as transactional devices doesn’t necessarily mean that the mobile operator needs to “own” the financial service. Banks tend to view mobile banking as a way to enhance service to existing customers, while mobile operators are more focused on addressing the mass market and the unbanked (Ivatury and POLICY INTO PRACTICE: ZAMBIA ADVANCES WOMEN’S FINANCIAL The Policy Brief highlights eight broad policy recommendations: Build the awareness of policy makers and other stakeholders with regard to the financial needs of women in different market segments, and bring women leaders into policy dialogue. Modify and adjust legal, regulatory and supervisory frameworks, remove impediments and allowspace for
MOBILE PAYMENTS INFRASTRUCTURE ACCESS AND ITS REGULATION: USSD 1 . 1. Mobile Payments Infrastructure Access and Its Regulation — USSD . 1. The development of mobile payment services is an important financial innovation. VISION OF THE FUTURE: FINANCIAL INCLUSION 2025 FOCUS NOTE 2 Bangalore, London, and Washington, D.C., between October 2016 and February 2017. More than 100 thought leaders, innovators, development actors, and academics participated in these GROWTH AND VULNERABILITIES IN MICROFINANCE From 2004 to 2008 microfinance enjoyed unprecedented growth in emerging markets. According to data from the Microfinance Information Exchange (MIX), the sector expanded at historic rates, with averageannual asset growth
CUSTOMER-CENTRIC GUIDE The CGAP Customer-Centric Guide explores these challenges and emphasizes strategies and actions that lead to value for the business and for the customer. It offers guidance on how organizations can move toward customer-centric business models. Card photo by Dhrubajyoti Bhattacharjee, 2016 CGAP Photo Contest. Topic: Customers. FINTECH AND FINANCIAL INCLUSION: A FUNDERS' GUIDE TO Many donors and impact investors today are looking to support new innovations to maximize their development impact. But with fintechs emerging all the time — many touting their potential to improve the lives of low-income, excluded customers with unproven business models — it is important for funders to be wary of hype and conduct due diligence in making investments and designing TRENDS IN INTERNATIONAL FUNDING FOR FINANCIAL INCLUSION 2018 Trends in International Funding for Financial Inclusion. International funding increased by 12 percent in 2018 to approximately $47 billion, a trend that has been consistent over the past five years. A third of international funders have been purposefully aligning their financial inclusion efforts to the achievement of SDGs.LATEST BLOG SERIES
Digital Credit: A Fast-Moving Global Trend. This 2016 series shares early insights on digital credit, a fast-moving area in financial product innovation. In this series, we highlight the new Introduction to Digital Credit materials developed by CGAP, along with experimentsand findings from.
REGULATORY SANDBOXES: A TOOL FOR FOSTERING FINANCIAL A regulatory sandbox is a tool for developing evidence about how a new product, technology, or business model (innovation) works and the outcomes it produces. Sandboxes operate under a special exemption, allowance, or other limited time-bound exception. The concept of a regulatory sandbox was developed in a time of rapid technological INVESTING IN HALF THE SKY: FUNDERS AND WOMEN’S FINANCIAL Despite the famous Chinese saying, “women hold up half the sky,” women still remain disproportionately excluded from meaningful financial services, digital technologies and economic opportunities. So it is not surprising that in recent years, advancing gender equity and women’s economic empowerment (WEE) has been high on the agenda for development funders. FINTECH AND DEVELOPMENT FUNDERS With a strategic approach, development funders can expand fintech’s impact on low-income communities and small businesses. This visualshowcases how.
OPEN BANKING: HOW TO DESIGN FOR FINANCIAL INCLUSION Webinar. 14 October 2020 11:00 am - 12:00 pm EDT. This event has concluded. Opening banking regimes free up the troves of customer data locked inside banks, allowing competitors to access the information and develop innovative financial products and services that have potential to better meet the needs of poor people. DIGITAL BANKING AND FINANCIAL INCLUSION Digital transformation has opened the financial services market to new kinds of providers and business models with great disruptive potential. The banking industry has not been spared. The changing landscape of banking value chains has become a hot topic recently with neo-banks, challenger banks, open banking initiatives and the likeemerging
FINANCIAL INCLUSION NAVIGATOR Please contact Estelle Lahaye (elahaye@worldbank.org) or Molly Tolzmann (mtolzmann@worldbank.org) to learn more about the Navigator and to explore possibilities for your organization. WHAT DOES THE NAVIGATOR LOOK FOR? The Navigator identifies four priority areas important for funders who want to advance financial inclusion and achieve sustainable development impact in complex environments.Toggle navigation
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REGULATORY APPROACHES TO THE INTEREST EARNED ON E-MONEY FLOATACCOUNTS
What happens to interest earned on float accounts? CGAP believe that electronic money issuers should be allowed – but not required – to distribute some or all of the float interest to their e-moneycustomers.
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Is Financial Inclusion a Reason to Push Central Bank DigitalCurrencies?
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Snapshots: MFIs During the COVID-19 Crisis To help fill the void of publicly available data on how COVID-19 is impacting the microfinance sector, CGAP and Symbiotics – a leading microfinance investment vehicle – have partnered to analyze data on the performance of the more than 300 microfinance institutions (MFIs) in Symbiotics global portfolio.Blog
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Time Is Money: Financial Services Can Help Rural Women Save More ofIt
Time poverty prevents many rural women from pursuing educational or income-generating opportunities. Here are three ways financial services can help alleviate time poverty among rural women.View More Blogs
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