Tag Archives: financial inclusion

Betting Big on Ourselves, for a Better World

Guest post by Tolu Ogunlesi, Special Assistant to the President of Nigeria (Digital & New Media); and Head of the Presidency Office of Digital Engagement. The post was originally published by The Guardian.  Every year since 2009 Bill and Melinda … Continue reading

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The Five-Minute Loan: How India Stack is Speeding Loans to Small Businesses

By Niloufer Memon, Vibhor Goyal, and Varad Pande We recently met Ajay, a fruit vendor in Mumbai who struggles to pay the 60 percent annual interest rate on a loan from his local money lender. Ajay was saddled with this debt, … Continue reading

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User-centred Financial Inclusion

In Live Mint, Varad Pande and Nirat Bhatnagar explain why digital financial services should be tailored to the habits of the underserved. While financial service firms in India are beginning to explore digitizing their services and products for the BoP, two key dilemmas – user-experience … Continue reading

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Financial Inclusion Fit to Size: Customizing Digital Credit for Smallholder Farmers in Tanzania

For the fourteenth briefing note in a series from the Initiative for Smallholder Finance, Dalberg’s Design Impact Group (DIG) explores the causes of low uptake in digital credit for smallholders to better understand how we can develop concrete product solutions to jump-start adoption … Continue reading

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New Report: Small Merchants Offer Big Financial Inclusion Opportunities

There are more than 180 million micro and small merchants operating in developing and emerging markets globally. These merchants serve the world’s lowest income customers at a scale that is staggering. Every day, small merchants interact with more than 4.5 … Continue reading

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Borrowing and Saving – Not Two Sides of the Same Coin

By Dalberg’s Michael Mori, and ACCION International’s Elisabeth Rhyne From a mathematical point of view, borrowing and saving are mirror images. In both cases many small payments allow for one or more large payouts. Only the sequence differs. Stuart Rutherford’s classic … Continue reading

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Using Human-Centered Design to Build Financial Products Tailored for Underbanked Customers

Globally, demand for smallholder finance is estimated at $450 billion. To meet this demand, it will be critical for financial services and providers to truly understand their smallholder customers, and design financial products to suit their specific needs. An integrated team from … Continue reading

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Mobile Point-of-Sale (mPOS) Devices for Financial Inclusion: Motivating Merchants in Indonesia to Switch to e-Payments

The last time you bought something from a street market vendor, you probably didn’t swipe your credit card through a small white cubical reader set atop the vendor’s smartphone when it came time to pay. But that might change soon. … Continue reading

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International remittances and technology: promising, but no silver bullet

By Matt Frazier The sheer scale of international remittance flows to developing countries is remarkable. Remittances, or financial transfers from a migrant to his or her country of origin, have grown by more than 10% a year for several decades … Continue reading

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Beyond SMS and broadband: amplifying current opportunities for Internet-enabled development

By Dan Tuttle It has been well-documented that access to the Internet propels both business growth and economic development. Yet conversations on information and communication technologies for development (ICT4D) in Africa frequently focus on SMS programs, mobile money, or the … Continue reading

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