Publications
Aug 28, 2019
Digital financial services (DFS) are defined by the Alliance for Financial Inclusion as “the broad range of financial services accessed and delivered through digital channels, including payments, credit, savings, remittances and insurance.” The integration of new digital channels for transactions, information flows and data capture, and identity...
Aug 27, 2019
For Zambia’s digital financial services (DFS) industry, 2018 saw growth in the number of active DFS account users, growth in the number of agents nationwide and growth in the number of products available to customers. These indicators of growth in the industry are findings in the Annual Provider Survey (APS), which UNCDF has conducted for over...
Aug 27, 2019
The IMF and the World Bank Group launched at the 2018 Annual Meetings the Bali Fintech Agenda (BFA), a framework of high-level issues that countries should consider in their own domestic fintech policy discussions. The BFA is organized around a set of twelve elements aimed at helping member countries to harness the benefits and opportunities of...
Aug 26, 2019
This paper shows that taxation on mobile phone airtime and financial transactions may not expand the tax base significantly but, rather, may reverse the gains on retail electronic payments and financial inclusion. A higher tax rate on low-level retail electronic transactions mostly levied on low-income earners that are sensitive to transaction...
Aug 21, 2019
The report contextualises the role of data analytics in the ongoing digital revolution and its potential for SME performance, including for enhancing SME productivity. It presents evidence on the use of data analytics in SMEs, discusses main internal and external barriers to the use of data analytics by SMEs, and illustrates policy approaches to...
Aug 19, 2019
According to a World Bank report “Profiting from Parity : Unlocking the Potential of Women's Business in Africa,” launched last March, women entrepreneurs make or are obliged to make different decisions than men because of gender-specific constraints. As a result, the report notes that, on average, women-owned firms post profits that are 34 %...
Aug 16, 2019
This CGAP’s recent paper, "The Role of Financial Services in Youth Education and Employment," makes the case that financial services can play an important role in improving educational opportunities to build job skills among people ages 15 to 24. Read the paper here .
Aug 15, 2019
In this report, member Mastercard presents the highlights from their 2018 annual corporate sustainability covering their global operations using the Global Reporting Initiative (GRI)’s reporting principles of materiality, sustainability context and stakeholder inclusiveness and completeness, as well as the UN Sustainable Development Goals...
Aug 14, 2019
In a new report, the Initiative for a Competitive Inner City (ICIC) shows how important small businesses are as job creators in 10 of America’s largest cities and their under-resourced inner cities. Small businesses are the backbone of urban economies, providing critical jobs for local residents. This report offers compelling data on the jobs...
Aug 12, 2019
Credit Scoring in Financial Inclusion: How to use advanced analytics to build credit-scoring models that increase access. This guide emphasizes that the effectiveness of data analytics approaches often involves building a broader data-driven corporate culture. Publication by CGAP.