Financial Services

The Legacy of Toxic SME Assets in Pakistan

Nov 29, 2017
Much has been said on how critical small and medium enterprises (SMEs) are for the social and economic uplift of developing economies.

Creating Social Impact Using Supply Chain Finance - A Case Study of Unlocking Access to Low Cost Fertilizer in Pakistan's Agri Value Chain

Feb 14, 2017
Innovative supply chain financing presents an unprecedented opportunity to disrupt traditional SME banking credit models, and, improve the livelihoods of millions of people in emerging markets.

Adoption - The Bottleneck in Scaling Mobile Financial Inclusion

Aug 31, 2016
The second edition of The Brookings Institute’s Financial and Digital Inclusion Project (FDIP) Report presents findings on financial access and usage from a diverse set of 26 countries. The publication is built around a scorecard generated using four composite indicators: country commitment, mobile capacity and regulatory environment.

The State Bank's New Regulations for Prepaid Cards

May 12, 2016
Karandaaz Pakistan published a blog post on the use of prepaid cards in Pakistan. Among the needs discussed was a clear framework for the KYC requirements governing Pakistan’s prepaid market. That regulation arrived earlier this week.

What is Human-Centered Design?

May 4, 2016
Human-centered design (HCD) is a methodology that has existed for a while but began to resemble its current form in the early 1990s. More recently, the development sector has begun to adopt it in various sectors including the field of financial inclusion.

Prepaid Cards and The Unbanked

Apr 27, 2016
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
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.

Evaluating the Impact of Inclusion: The Microeconomic Picture

Dec 15, 2015
Included in the targets of 7 of the 17 Sustainable Development Goals that were finalized in 2015, financial inclusion is seen as both a key solution to some of the most pressing development problems that our world faces today, and a core development goal in its own right.

Addressing the Limits of Informal Financing

Dec 7, 2015
In 2014 2 billion people in the world didn’t have an account at a financial institution. While this number represents a 20% decrease in the unbanked population since 2011, globally a significant number of individuals still remain outside the formal financial sector.
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