The Role of Data Exchange in Financial Inclusion

The main report offers the unique realities of implementing data exchange practices after the first few years and the barriers and opportunities that arise therein. By focusing on real-world applications and policy choices, this report provides practical examples and emerging approaches to overcoming implementation challenges in data exchange frameworks.

The accompanying report on market deep dives is a companion reading which provides more detailed case studies from Brazil, the EU, India, and Singapore that highlight diverse approaches to financial inclusion, data sharing, and protection policies, offering insights for emerging and developing economies. It reviews new and alternative data sharing arrangements, moving beyond traditional credit reporting to explore multilateral, government-led, market-led, and decentralized ecosystems aimed at broadening data access and usage.