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Prepaid Cards and The Unbanked

Apr 27, 2016
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Borrow a relative’s credit card. Have a friend pay. For those excluded from the formal financial system, paying online is more often a matter of finding the right proxy than finding the right tool. Innovations such as mobile wallets continue to expand access to electronic payments.

Deploying Basic Banking Accounts: Lessons from India and South Africa

Apr 19, 2016
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No-frills - or basic bank accounts - are another tool in the arsenal of central banks and financial service providers that are interested in promoting universal financial inclusion. They traditionally have two defining characteristics.

Using Digital Financial Services to Bridge the Gender Gap in Financial Inclusion

Apr 12, 2016
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Despite encouraging advancements in the number of first time bank account holders, a startling gender gap persists in financial inclusion as a result of a variety of barriers to access across the developing world.

Mobile Money: The OTC and Agent Dilemma

Mar 31, 2016
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In Pakistan, there are two primary transaction channels in the branchless banking sector: mobile wallets, and over-the-counter (OTC). In contrast to the mobile wallet platform where customers execute all transactions on their mobile phones themselves, the OTC model is facilitated by an agent. This channel is a convenient and reliable.

Experimenting with a Mobile Wallet on a Low-Cost Smartphone

Mar 21, 2016
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There has been a steady rise in the promotion of mobile wallets as a viable alternative to conventional banking services.This innovative channel, MNOs seek to streamline the banking process and increase financial outreach to the wider population.

Digital Credit: A Case for Pakistan

Mar 10, 2016
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M-Shwari, the first digital credit and savings account service of its kind, was launched in Kenya in 2012, and has since gained tremendous popularity, prompting numerous similar deployments to emerge worldwide.

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