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Choice of Channel: Understanding how LMI women select a channel to conduct financial transactions
Individuals choose a channel for financial transactions based on several factors beyond just the economic cost involved. The DEBIT framework is a tool that identifies these factors and helps compute comparative scores for each channel. Comparing DEBIT scores helps us understand which channel someone chooses and why.
Mar 16, 2022
Akhand Tiwari, Saloni Tandon, Lakshmi Thangallapally and Jayana Jain
Women’s agent network—the missing link in India’s financial inclusion story: A supply-side perspective
About 10% of 1.26 million BCs in India are women. This policy note discusses a supply-side perspective on challenges and opportunities to expand the women agent network in India.
Feb 21, 2022
Is access to smartphones essential to bridge the digital divide?
Leveraging potential of agents and merchants to improve customer onboarding and customer experience and increased usage of services
Jan 28, 2022
The resilience of bank agents in Bangladesh through the COVID-19 pandemic
Many banking agents struggled to stay afloat when the Bangladesh authority announced lockdowns at the beginning of the pandemic period. However, they fought against all the odds and continued serving their communities, often by borrowing money from friends and family when banking branches were closed.
Jan 28, 2022
How have nano and micro-entrepreneurs transformed during and after the most extensive lockdown in Vietnam?
The COVID-19 pandemic has left many MSMEs struggling with a shortage of working capital. Besides, restricted mobility due to the lockdowns suspended public transport, affecting logistics and input supplies and finished goods. The video reflects how digital channels enabled microenterprises in Vietnam to survive and even thrive during the pandemic.
Jan 25, 2022
Credit for low- and moderate-income people in Bangladesh—can new-age banks and FinTechs deliver the regulator’s wish?
The waves of digitization and technological advancements have led to the opening of MFS accounts for 60% of the population in Bangladesh. The country now boasts more than 1.1 million agents. Despite the widespread use of MFS and internet access, only 9.1% of people access the formal credit system. Digital credit can be a stepping-stone in Bangladesh due to the lower cost of delivering credit through digital means, combined with the mass digital readiness of consumers. Several solutions have emerged from banks, NBFIs, FinTechs, MFSPs, MFIs, and development partners, such as City Bank’s “Nano Loan” product pilot to Prime Bank’s loan product for blue-collar workers. Together, stakeholders are trying to forge partnerships to address problems around access to credit and social development in Bangladesh.
Jan 24, 2022