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Publications


Read our latest research exploring key issues in financial sector development
Exuus: Using data to demystify savings groups’ black boxes
DataHack4FI Innovation Award Season 2: Winner of the Women and Youth focus prize for Rwanda In Rwanda, as elsewhere in sub-Saharan Africa, rotating [...]
InvestXD: Putting women’s investment needs at the centre
InvestXD created a digital investment platform for women and youth Understanding drivers of usage for financial products and services is important [...]
Means to an end: A conceptual framework for outcomes of financial service usage
Why focus on outcomes of use? The drive for greater financial inclusion is based on the understanding that financial inclusion has impacts on public [...]
African digital platforms and the future of financial products
As societies and economies change, so should the financial products that serve them. Financial products help us manage our lives. They enable us to [...]
ZedCredit: Sentiment analysis in the design of womens savings solution
ZedCredit from Zambia provides access to savings, loans and a credit score via their mobile app. ZedCredit is a fintech based in Zambia [...]
Inclusive: Identification that removes barriers to financial inclusion
DataHack4FI in-country winners from Ghana offer a multiple-database-verification API solution to identity verification. A lack of verifiable [...]
Third-party cell captives as an enabler for transformation in the insurance sector
During the parliamentary hearings on financial sector transformation last year, there was a strong sense of urgency for radical transformation. In [...]
The benefits and potential risks of digital fiat currencies
Cryptocurrency has taken the financial world by storm since 2008 through its ability to deliver peer-to-peer payment that is faster, cheaper, more [...]
A needs-based approach to financial inclusion measurement in Zimbabwe
Financial inclusion is an important tool for enabling development and improving the lives of the poor across the globe. Up to now, most governments [...]
Exploring barriers to remittances in sub-Saharan Africa
On average, the remittance market in Africa is the most expensive in the world. The latest data from the World Bank indicates that the average cost [...]