Welcome to the Centre for Financial Regulation and Inclusion (Cenfri)

Cenfri is an independent think tank based in Cape Town. Our mission is to support financial inclusion and financial sector development through facilitating better regulation and market provision of financial services. We do this by conducting research, providing advice and developing capacity building programmes for regulators, donors, financial service providers and other parties operating in the low-income market. In collaboration with key partners and funders we actively engage across Africa, Latin America and Asia.

 

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Recent publications and events 

Funding the frontier: The Link Between Inclusive Insurance Markets, Growth and Poverty Reduction
Funding the frontier: The Link Between Inclusive Insurance Markets, Growth and Poverty Reduction There has been considerable emphasis in development circles on the way insurance markets can contribute to poverty reduction by helping the poor to preserve assets and mitigate the effects of financial shocks, thereby reducing vulnerability. There has also been significant effort to promote microinsurance to low-income people. However, less has been written about the way insurance contributes indirectly to poverty…
The role of InsurTech in microinsurance: How is InsurTech addressing 5 challenges in microinsurance?
The role of InsurTech in microinsurance: How is InsurTech addressing 5 challenges in microinsurance? The business of insurance is hard. Microinsurance has proven to be nearly impossible. Whilst promising examples have been documented of insurers achieving the impossible, sometimes even at scale, insurance cover for billions of excluded adults appears to be a long way down the road.   The challenges in microinsurance are many, but there are five key challenges for providers for…
Cross-Border Remittances Study 2016
Cross-Border Remittances Study 2016 The World Bank estimates that in 2016 remittances from migrant workers to developing countries will be worth USD 440 billion. More than twice that of foreign aid. Remittances play a critical role in supporting the welfare for many individuals and households in developing countries. Moreover, remittances can contribute to economic growth, with research indicating that it can have a greater…
Proportionate Regulatory Frameworks in Inclusive Insurance: Lessons from a Decade of Microinsurance Regulation
Proportionate Regulatory Frameworks in Inclusive Insurance: Lessons from a Decade of Microinsurance Regulation It is slightly over a decade since the first microinsurance regulations were introduced in India in 2005. With at least 18 insurance supervisors having rolled out microinsurance regulations today, the landscape is now vastly different. In this milestone publication 'Proportionate Regulatory Frameworks in Inclusive Insurance: Lessons from a Decade of Microinsurance Regulation', the Acess to Insurance Initiative (A2ii) looks back at…
Why use accounts: Understanding account usage through a consumer lens
Why use accounts: Understanding account usage through a consumer lens Over the past five years, the move towards digital financial services and simplified account opening procedures has improved the take-up of accounts by the low-income sector. The 2014 Global Findex data highlighted that the number of people without access to formal accounts decreased from 2.5 billion in 2011 to 2 billion in 2014. Whilst recognised as a major achievement, it…
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    Welcome to the Centre for Financial Regulation and Inclusion (Cenfri)

    Cenfri is an independent think tank based in Cape Town. Our mission is to support financial inclusion and financial sector development through facilitating better regulation and market provision of financial services. We do this by conducting research, providing advice and developing capacity building programmes for regulators, donors, financial service providers and other parties operating in the low-income market. In collaboration with key partners and funders we actively engage across Africa, Latin America and Asia.

     

    good Read more...

     

    Recent publications and events 

    Funding the frontier: The Link Between Inclusive Insurance Markets, Growth and Poverty Reduction
    Funding the frontier: The Link Between Inclusive Insurance Markets, Growth and Poverty Reduction There has been considerable emphasis in development circles on the way insurance markets can contribute to poverty reduction by helping the poor to preserve assets and mitigate the effects of financial shocks, thereby reducing vulnerability. There has also been significant effort to promote microinsurance to low-income people. However, less has been written about the way insurance contributes indirectly to poverty…
    The role of InsurTech in microinsurance: How is InsurTech addressing 5 challenges in microinsurance?
    The role of InsurTech in microinsurance: How is InsurTech addressing 5 challenges in microinsurance? The business of insurance is hard. Microinsurance has proven to be nearly impossible. Whilst promising examples have been documented of insurers achieving the impossible, sometimes even at scale, insurance cover for billions of excluded adults appears to be a long way down the road.   The challenges in microinsurance are many, but there are five key challenges for providers for…
    Cross-Border Remittances Study 2016
    Cross-Border Remittances Study 2016 The World Bank estimates that in 2016 remittances from migrant workers to developing countries will be worth USD 440 billion. More than twice that of foreign aid. Remittances play a critical role in supporting the welfare for many individuals and households in developing countries. Moreover, remittances can contribute to economic growth, with research indicating that it can have a greater…
    Proportionate Regulatory Frameworks in Inclusive Insurance: Lessons from a Decade of Microinsurance Regulation
    Proportionate Regulatory Frameworks in Inclusive Insurance: Lessons from a Decade of Microinsurance Regulation It is slightly over a decade since the first microinsurance regulations were introduced in India in 2005. With at least 18 insurance supervisors having rolled out microinsurance regulations today, the landscape is now vastly different. In this milestone publication 'Proportionate Regulatory Frameworks in Inclusive Insurance: Lessons from a Decade of Microinsurance Regulation', the Acess to Insurance Initiative (A2ii) looks back at…
    Why use accounts: Understanding account usage through a consumer lens
    Why use accounts: Understanding account usage through a consumer lens Over the past five years, the move towards digital financial services and simplified account opening procedures has improved the take-up of accounts by the low-income sector. The 2014 Global Findex data highlighted that the number of people without access to formal accounts decreased from 2.5 billion in 2011 to 2 billion in 2014. Whilst recognised as a major achievement, it…
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