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Technology and Distribution


Distribution of financial services is a key constraint to extending financial services to low-income markets. Traditional networks are often costly, cumbersome and intimidating for low-income clients to use. As a result, much attention is currently placed on the development of new technologies (e.g. mobile phones) and business models (e.g. branchless banking) and on creating the regulatory space for these models to develop.

Embracing technology in this regard will benefit not only the extension of banking networks, but also the distribution of all other non-bank financial services. We, therefore, see this as a key focus area in support of financial inclusion.

Our work on new technology and distribution spans Africa and Latin America.

The Latest in Technology and Distribution

Exploring insurtech
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Behavioural science for financial services
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The application of behavioural interventions
As we explore how behavioural science can narrow the gap between customer intention and customer action, we have started to look at examples from [...]
Central bank digital currency (CBDC) and financial inclusion
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Four things we learned at the 2019 Seamless Southern Africa Conference
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The evolution of agent networks in Africa
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How are African digital platforms shaping the economic development conversation?
Insights from an expert workshop on the potential of African digital platforms to influence development African digital platforms are giving rise [...]
Payment systems in sub-Saharan Africa
This two-part note series explores the state of national and regional payment systems in sub-Saharan Africa (SSA). Note 1 explores themes and [...]
The potential of digital platforms as distributors and enablers of insurance in Africa
The past decade has seen the emergence of digital platforms. These digital platforms (also known as multi-sided platforms) connect buyers and sellers [...]
African digital platforms and the future of digital financial services
As societies and economies change, so should the financial products that serve them. The insight2impact facility ׀ i2i in partnership with [...]