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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

The rise of African digital platforms
Early findings from our African digital platforms and the future of financial services research An increasingly digital and connected Africa is [...]
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 [...]
The benefits and potential risks of digital fiat currencies
Exploring digital fiat currencies (DFC) / central bank digital currency (CBDC)  Cryptocurrency has taken the financial world by storm since 2008 [...]
Using technology to build loyalty among insurance customers
Mary is the owner of a small business in Blantyre, Malawi, and the main breadwinner for her family. To support her family in the event that something [...]
Regulating for innovation: How to encourage responsible market innovation
For regulators, the dual implications of innovation make it a critically important but challenging topic to address. Regulators with a mandate to [...]
MAP Zambia diagnostic and roadmap to financial inclusion
From 2009 to 2015 the proportion of adults, financially excluded from any financial service, decreased from 63% to 41% in Zambia, which exceeded the [...]
Delivering on the promise of digitising payments in Zambia
Digital financial inclusion holds great promise. A McKinsey report last year found that digital finance could add up to $3.7 trillion to [...]
Role of insurtech in microinsurance: How is insurtech addressing 5 challenges in microinsurance?
The business of insurance is hard. Microinsurance delivery has proven to be nearly impossible. Despite almost two decades of focus on the under and [...]
Getting ahead of the Curve: How the Regulatory Discourse on M-insurance is Changing
Nearly a year ago, we joined the A2ii in Abidjan to sit down with a roomful of regulators to discuss the challenges and imperatives CIMA faces in [...]
Insurtech tracker archive
This is the first version of the insurtech tracker. Explore more on insurtech here or see the updated insurtech tracker [...]