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Global Resources >> Industry Reports

The Digital Lives of Refugees

This report by GSMA and UNHCR looks at the ways in which refugees are using mobile phones to help guide digital interventions by humanitarian organizations and mobile network operators.
© © GSMA
Global Resources >> Industry Reports

How do refugees use their mobile phones? 

New GSMA and UNHCR report looks at the ways in which refugees are using their mobile phones to help guide digital interventions by humanitarian organizations and mobile network operators. It identifies affordability, literacy, digital skills, and charging as the main barriers to mobile phone ownership and mobile internet usage.
© Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

How fintech is driving financial health

At a panel discussion during the recently concluded GSMA M360 Africa, Flourish’s Ameya Upadhyay presented on how to harness the power of new technologies to drive access and transparency. Check out his presentation.
© Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Fintech notes: Rise of digital money

This IMF brief takes a first stab at tackling the questions surrounding the rise of new forms of digital money.
© Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Designing "smart" to overcome gender bias 

Women face additional constraints because of their gender that affect their economic performance. New Oxford University Press paper suggests that specific design features - repeated micro-lending, variation in loan terms, private savings accounts, etc - in financial services can yield more positive economic outcomes for women. 
© Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Understanding merchant payments landscape 

A new Karandaaz study shows that around 95% of merchants in Pakistan do not accept digital payments. To promote adoption, it calls for creating awareness among users, better infrastructure, interoperability and reliability of services.
© Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Emerging trends in managing payment fraud

Based on surveys from 566 business leaders, a new VISA report finds that the top 3 (payments-related) fraud concerns are ID verification, data privacy, and transaction monitoring. It calls for taking a more holistic approach to fraud management which involves a mix of new technologies and new skills.
© © Better Than Cash Alliance
Global Resources >> Industry Reports

Extending pension coverage to the informal sector

This World Bank discussion paper argues that digital payments, along with other policies and tools, can help extend pension coverage to the informal sector in Africa. It also features case studies from 5 Alliance members namely Kenya, Rwanda, Benin, Ghana, and Uganda.
© Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

How to promote women's digital financial inclusion

Prepared at the request of the G7 French Presidency, this Gates Foundation report aims to be “a blueprint for improving digital financial inclusion in Africa.”

© Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Mobile-delivered economic ID for inclusion of SMEs

Unregistered SMEs account for 65% of Nigeria’s GDP. Most of them often struggle to demonstrate their personal and business credentials to service providers and customers. This GSMA research finds that there is a need for new approaches to identity and mobile-delivered ‘economic ID’ solution holds promise.
© © Better Than Cash Alliance / Allan Gichigi
Global Resources >> Industry Reports

Role of education in financial inclusion of women 

Columbia University paper finds that even when they are given the opportunity, many of India’s poor women opt out of actively engaging with the formal banking institutions. It finds that education is a significant determinant in shaping the financial decisions of India’s poor women.
© Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Lessons from implementing P2G payments strategies

This GSMA study shares lessons from Orange’s work in West and Central Africa on implementing Person-to-Government (P2G) payment strategies.

© Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Using technology to improve agent models

This CGDev study sets out to understand the effectiveness of reforms taken by Andhra Pradesh to digitalize service delivery. It identifies access, accountability, choice, and voice as the four principles underlying the digital reforms there.

© © OMIDYAR NETWORK
Global Resources >> Industry Reports

The Effect of Payment Choices on Online Retail: Evidence from the 2016 Indian Demonetization

This Harvard Business School paper concludes that consumers who switch to digital payments maintain their purchase frequency but spend more and are less likely to return their purchases.
© © Better Than Cash Alliance
Global Resources >> Industry Reports

Client Voices: Rwandans Speak on Digital Financial Services

Based on a survey of over 1,200 people in three districts of Rwanda, this Smart Campaign report delves into the experiences of users of digital financial services.

© © CFI + Smart Campaign
Global Resources >> Industry Reports

The Impact of Mobile Money on Poor Rural Households : Experimental Evidence from Uganda

Does access to mobile money help improve livelihood in remote settings? This paper shows that rolling out mobile money agents in Northern Uganda led to cost-savings for remittance transactions. It also shows that access to digital payments doubled the nonfarm self-employment rate and reduced the fraction of households with very low food security. 
Global Resources >> Industry Reports

Improving financial inclusion through data for smallholder farmers in Kenya

As mobile-based digital agricultural solutions take hold in Kenya, there is a great opportunity to use data for improving financial inclusion of smallholder farmers.

© © GSMA
Global Resources >> Industry Reports

Perspectives from SME banking leaders

IFC report aggregates responses from 114 SME banking executives serving more than 17.5 million small businesses.

© Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

The age of digital interdependence

The UN Secretary General’s High-Level Panel on Digital Cooperation released this report. It highlights the need for inclusivity and protection of human rights to ensure a safe digital future for all and shares 5 key recommendations.  
Global Resources >> Industry Reports

Role of DFS in youth employment

What roles do financial services play in enabling youth education and employment? This CGAP working paper, for policy-makers and funders, outlines the existing evidence and highlights important questions about how to deliver comprehensive and broad-reaching interventions at scale.
© Bill & Melinda Gates Foundation/Frederic Courbet