Theme: Digital Financial Services
The Credit-Deposit Ratio – Time for a Re-Think?
This note provides a critique of CDR as a yardstick of measuring bank commitments for serving the poor, instead it suggests to develop an alternative measure that calculates credit as per utilisation
Apr 30, 2007
The MicroSave-India Market-led Financial Services Programme
This note introduces the MicroSave-India programme. It provides an overview of governance, programme focus and about administration and budget of the MicroSave’s intervention in India.
Mar 5, 2007
Issues in Mobile Banking 2: Regulatory and Technical Issues
This note sheds some lights on the issues related to regulation requirements or in some cases lack of understanding/interest of the central banks, in implementing mobile banking by financial institutions.
May 8, 2006
Mobile Phone-Based E-Banking: The Customer Value Proposition
The note highlights the reasons as to why should low income segment prefer technology—if it is secure, convenient, low cost, accessible/liquid and easy to transfer.
Mar 3, 2006
Graham Wright, David Cracknell, Nick Hughes and Brian Richardson
Electronic Banking for the Poor
This note discusses how falling costs of technology, competition and ability of electronic banking solutions to offer customers an enhanced range of services at very low cost is driving change.
Oct 13, 2004
Passing the Buck in East Africa – Money Transfers Systems: The Practice and Potential for Services in Kenya, Tanzania and Uganda
This paper analyses how low-income individuals and small or microentrepreneurs transfer money and make payments in Kenya, Tanzania, and Uganda.
Jun 3, 2004