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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

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 [...]
Managing risk whilst facilitating innovation: The case of m-insurance in Zambia
Zambia is one of nine countries in sub-Saharan Africa with more registered mobile money accounts than bank accounts (GSMA, 2013). Previous case [...]
Un-networked retailers: A growing channel for financial services distribution?
Agent networks are critical for expanding access to financial services in developing countries. They enable providers to offer viable cost-effective [...]
Mapping potential financial services distribution channels in SADC
Access to financial services is a challenge in SADC, where there is limited infrastructure and a largely rural population. Ordinary distribution [...]
Designing mobile microinsurance products
Increasingly, the mobile phone is being used throughout the microinsurance value chain to enable access to insurance for millions of people who [...]
Understanding retailers’ motivation for providing financial products and services in South Africa
A number of financial products and services are offered by or through retailers in South Africa. This spans the broad financial services spectrum [...]
The emergence of entry-level bank branches in South Africa
Between 2003 and 2011, the provision of bank accounts in South Africa grew from 30% to 46%. Technology and branchless solutions play key roles in [...]
Beyond sales
New Frontiers in Microinsurance Distribution The International Labour Organization’s (ILO) Microinsurance Innovation Facility (MIF) commissioned [...]
Microinsurance innovation in Brazil
These 2011 case studies on microinsurance innovation in Brazil forms part of a series on alternative, innovative microinsurance distribution models. [...]