Financial Inclusion in Action

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Key New Year Resolutions for the Success of Digital Financial Services

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First of all, let me reaffirm my belief that digital financial services (DFS) really do have the potential to provide financial inclusion for many (but perhaps not all) of the 2 billion un-banked. Its potential to reduce the costs of providing a range of financial services is an exciting prospect for those of us who… Continue reading

Top Blogs from 2016

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  Presenting MicroSave's top picks for the year. Do you see your favourite blog here? e-KYC and the India Stack – A Transformative Blueprint for Emerging Markets Billions of people around the world are required to meet know your customer (KYC) norms to avail of services considerably important to their lives. Yet, widely prevalent archaic… Continue reading

Competition in the Kenyan Digital Finance Market: Digital Credit (Part 2 of 3)

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This is the second blog in a three part series, which compares digital financial service offerings in Kenya. The first blog focused on mobile money services and this second one delves into mobile banking services, focusing on digital credit.  These are certainly the most complicated but also the most exciting services given their potential to deepen financial inclusion… Continue reading

Over the Counter (OTC) in Pakistan: The Challenges and the Way Forward

In the first part of this blog, “Over the Counter (OTC) in Pakistan: Why It Works”, we examined the drivers behind the roaring success of OTC-based services in the country. This blog examines the challenges this success has bought, how the providers are responding and the prospects for the future of branchless banking in Pakistan. 4)… Continue reading

The Powerful Agents & Fractured Markets of Pakistan

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Pakistan is easily one of the top five leading digital finance markets in the world; yet also certainly one of the least understood.  Anyone striving to learn about it must first understand how the Over-the-Counter (OTC) methodology adopted in Pakistan works, as it operates uniquely compared to other markets, especially those where it is unregulated. … Continue reading