Regulating Cash-in Cash-Out Networks in LMICs
Many individuals in low- and middle-income countries (LMICs) face a financial infrastructure gap. One way organizations have begun addressing this financial infrastructure gap in low-income and rural communities is through the provision of digital financial services (DFS). To utilize DFS however, users must be able to convert physical cash into electronic money through cash-in, cash-out (CICO) networks.
Who Has Heard of Mobile Money?
Being aware of the potential benefits and services of Digital Financial Services is pre-requisite to accessing them. We analyzed the effect of various sociodemographic characteristics on an individual’s likelihood to be aware of DFS, focusing in particular on differences by gender.
Providing Legal Identity to All
There are more than 1.1 billion individuals without official proof of identity throughout the world today, according to the World Bank’s Identification for Development (ID4D) program.
Digital Credit Regulatory Oversight, Overlaps, and Gaps
Digital credit refers to loans that are issued remotely (often without any brick-and-mortar infrastructure), automatically (minimizing the time and number of steps between registration and the distribution of loans), and instantly (often in less
Digital Credit: An Emerging Market
Digital credit products are rapidly emerging in the digital financial services (DFS) market as a new, innovative form of accessing electronic money.
Does Money Grow on Phones?
Mobile money, or the use of mobile devices to send, receive, and transfer money digitally, is becoming more popular around the world and offers a potential pathway to increase financial inclusion amon
National Identification Programs Presentation in Myanmar
EPAR was invited to present their work on national identity card programs at a workshop organized by the Centre for Humanitarian Dialogue for Myanmar's Ministry of Labour, Immigration, and Population.
Impact of Rural and Agricultural Finance in Sub-Saharan Africa
According to the Food and Agriculture Organization of the United Nations (FAO), over 60% of people in Sub-Saharan Africa depend on the agricultural sector for their livelihoods.