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Digital Transformation & Data


Cenfri contributes to building the fundamentals of welfare-enhancing digital economies. We prioritise digital transformation that is inclusive, sustainable, opportunity-creating and has appropriate safeguards. Digital transformation underpins much of our work and ranges from payments digitalisation to digital economy diagnostics, and digital skills assessments to direct digitalisation support.

Cenfri also collaborates with policymakers and other public and private sector stakeholders in data-driven decision-making that is calibrated to the data available and is designed to strengthen the existing skills and data governance processes within these organisations. The Rwanda Economy Digitalisation Programme is our flagship evidence-informed policymaking and data-for-decisions intervention, but we have considerable experience in using evidence to generate insights and inform policymaking and business decision-making with a view to improved economic development outcomes. Our expertise in data, payments and digital identity enables us to contribute to current DPI (digital public infrastructure) conversations.

Digital Transformation & Data

Catalysing the use of data and digital technology for tourism in Ghana

Ghana’s tourism industry presents an exciting landscape for growth, offering significant potential for youth employment and entrepreneurship. However, an effective digital presence is a prerequisite for competitiveness in the global tourism sector and in Ghana, digital technology adoption among tourism operators remains nascent. Data and digital technology increasingly enable tourism

Digital Transformation & Data

Public sector data frameworks

If properly catalogued, classified and shared, public sector data can be leveraged to increase access to services, make service delivery more efficient and inform policymaking. Real-time data on traffic and urbanisation can inform urban planning efforts including mobility, energy and water consumption, for example. Combining machine learning techniques with access

Digital Transformation & Data

Developing capacity to boost data-driven decision-making in Rwanda

In recent years, Rwanda has embarked on a transformative journey towards digitalisation to fuel economic growth and innovation. The Rwanda Economy Digitalisation Programme, implemented by Cenfri in partnership with the Ministry of ICT and Innovation and the Mastercard Foundation, is contributing to this journey. Our focus is predominantly on extracting

Digital Transformation & Data

Understanding CBDC and its application in emerging markets

Central banks have cited several reasons for considering or piloting central bank digital currencies (CBDC). These include a desire to enhance financial stability and monetary policy, improve payment systems, and contribute to financial inclusion.  However, uncertainty still exists regarding how a CBDC can be designed to promote greater access and

Digital Transformation & Data

Digitisation contributes to improved remittance access and a better customer experience

The Remittance Access Initiative (RAI) is a programme set up through a partnership between IFAD’s Financing Facility for Remittances (FFR) and Cenfri. Cenfri is working with a range of remittance service providers (RSPs) to improve access to cheaper, faster, and safer remittance services. This article covers a related innovation that

Consumer Outcomes

Revealing the consumer experience of digital finance in low- and middle-income countries

Consumers face several frustrations with the potential to affect their experience of digital financial services. These include system glitches, inappropriate design, fraud, cybercrime, data breaches, opaque pricing, and more. The Digital finance: The consumer experience, 2023 report, which Cenfri developed for Consumers International, provides an assessment of the scale of

Exploring insurtech
Digital Transformation & Data

Insurance regulation and innovation: An assessment of 8 African insurance markets

To support regulatory authorities in sub-Saharan Africa in promoting inclusive insurance market development, there is a need to strike a balance between innovation and the accompanying risks that arise. FSD Africa set up the Risk, Resilience and Regulatory Lab (R3Lab)  as a platform for capacity-building and peer exchange to assist regulators deliver on

Digital Transformation & Data

Data insights in achieving retail growth in Rwanda

The retail and trade (merchant) sector is one of the priority sectors for the Rwanda Economy Digitalisation Programme. The sector and its upstream activities generate significant economic value and provide income for many Rwandans. According to the 2020 Establishment Census, 57.4% of all 232,283 enterprises in Rwanda operated in wholesale