Publications

Report: Digital Access: The Future of Financial Inclusion

Digital Access: The Future of Financial Inclusion captures the knowledge and experienced that The Partnership for Financial Inclusion has gained over the past six years, working to develop and promote commercially sustainable solutions for greater financial inclusion across Sub-Saharan Africa.

Publications

Publications

EIF SME Access to Finance Index - June 2018 Update
This EIF Working Paper elaborates on the most recent update of the EIF SME Access to Finance (ESAF) Index, a composite indicator used to monitor SME external financing markets in the 28 EU countries. The current update, using latest available data, constitutes the fifth iteration of this exercise. The paper is used to provide some background...
The Decline in Access to Correspondent Banking Services in Emerging Markets: Trends, Impacts and Solutions
Global banks have been limiting correspondent banking relationships (CBRs) with local banks in emerging and developing economies – a practice referred to as “de-risking.” A new World Bank report – The Decline in Access to Correspondent Banking Services in Emerging Markets: Trends, Impacts and Solutions – examines what effect this trend has had on...
ABA Study: The State of Digital Lending
The ABA survey was conducted to review the digital lending landscape, specifically to gauge member interest in two different types of business models: Technology partnership—Implementing digital lending technologies to offer a digital customer experience to originate, underwrite to bank guidelines, and close small business and consumer loans...
Small and Growing Business in Africa: Profiles, Successes and Challenges
In Sub-Saharan Africa as elsewhere, Micro, Small and Medium Enterprises (MSMEs) play a crucial role in economic development and job creation. However, because of a general lack of knowledge about this particular segment, the sector hardly achieves its full potential. In order to better meet MSMEs’ needs, a first step consists in identifying the...
Social Networks, e-Commerce Platforms, and the Growth of Digital Payment Ecosystems in China: What it Means for Other Countries
The rapid growth of social networks and e-commerce platforms has transformed the way people communicate and transact around the world. Integrating digital payments into these growing networks and platforms has presented vast opportunities to drive economic opportunity, financial inclusion, transparency, security and growth. In practically all...
Report: Demystifying Digital Lending
Digital lending can be a powerful force for financial inclusion. Innovations in digital lending are enabling financial service providers (FSPs) to offer better products to more underserved clients in faster, more cost-efficient, and engaging ways. Governments are increasingly incentivizing the growth of digital lending models as a way to promote...
Report: Financial Inclusion in the Digital Age
Many households and small businesses in emerging markets have no or very limited access to formal financial services. Even in developed countries, they only have access to a limited menu of cost-effective products from financial institutions for addressing their financial needs. Over two billion unbanked adults in the world, representing 38...
Report Shows a Decrease in Refusal Rates for Irish SMEs Seeking Finance
The Irish SME Association (ISME) said the results of its Quarterly Bank Watch Survey show a decrease in refusal rates and a drop in demand for credit, while the waiting time from decision to drawdown remains unchanged at six weeks. The main findings from the 524 respondents in the second-last week of March found that 31 percent required additional...
Mobile Money in Emerging Markets: The Business Case for Financial Inclusion
Mobile money systems offer a dual promise, as an engine for financial inclusion, and as an emerging markets business opportunity for providers. Two billion individuals and 200 million small businesses in emerging economies today lack access to savings and credit. Success in financial inclusion entails reaching these users with products that go...
Member ACCIS Manifesto on Big Data and Fintech
Enrique Velasquez, the new ACCIS Secretary General, shared their manifesto on big data and fintech. His highlights are below: "These are our industry's key requests to policy-makers: Enforce ‘same services, same rules’ principle; Expand the credit data set: make more comprehensive credit data pools and data access available across the EU; Promote...