CICO agents in developing countries, including India, Kenya, Bangladesh, and Indonesia, face a slew of sustainability challenges. These include competition, low margins, reduced commissions, and user-initiated DFS transactions. MSC proposes a dynamic use case mix for agent sustainability that uses a seven-factor analysis to curate diverse and dynamic use cases.

Lending to cash-in cash-out (CICO) agents in developing countries remains a vastly underserved market despite its investment potential. This report focuses on the agent lending landscape in nine diverse low- and middle-income (LMIC) countries that represent mature and evolving markets to provide insights into the larger global opportunity.

MSC conducted a deep-dive analysis of the digital credit users in India, Indonesia, and Kenya to assess the impact of digital credit on their financial health. The analysis presents the insights from the assessment and recommends actionable interventions at the level of providers, regulators, and policymakers to enhance the financial health of digital credit users.

Quick Response Code Indonesian Standard (QRIS) is the first experience using a digital financial service (DFS) for many micro-merchants in Indonesia. The blog explores what other DFS and nonfinancial services would benefit these merchants just beginning their digitization journey.

This blog looks at key changes and implications of the new draft amendments to the branchless banking regulations released by OJK in 2021.

Otoritas Jasa Keuangan (OJK), the Financial Services Authority of Indonesia, wants to explore novel approaches to supervise digital financial services. This blog details two SupTech solutions that OJK is prototyping to enhance consumer protection in Indonesia.

In Indonesia, 12,548 villages still lack access to 4G internet. This blog explores how Wi-Fi vouchers help diarists under our Corner Shop Diaries project and others in rural Indonesia access the internet.

Effective communication of social protection programs (SPPs) is essential to avoid misconceptions and undesired behavior among beneficiaries, as well as setbacks in implementation. This blog highlights the potential role technology can play in enhancing awareness, socialization, and complaint resolution efforts in the delivery of SPPs in Indonesia.