All Publications
Women: Risk and Consumer Protection in Online Leading Platforms in Indonesia
This study delves into women's experiences as users of online lending platforms in Indonesia using a gender lens to examine the risks in online lending platforms unique to women.
Consumer Protection for Open Finance Ecosystems
This report identifies several emerging risks related to open finance, and proposes ways in which these risks can be measured, monitored, and mitigated against by leveraging the data available in open finance ecosystems.
The Role of Catalytic Capital in Digital Markets: Successes, Pitfalls, and Lessons Learned
This report focuses on the role of catalytic capital in the digital credit industry and highlights the limitations of a framework that does not consider broader market-level consequences of such investments.
Combining Open Finance and Data Protection for Low-Income Consumers
This CGAP technical note highlights the basic data protection provisions that should be in place for an open finance regime, as well as how they can be addressed through law and regulation.
Digital Finance: The Consumer Experience, 2023
This report develops a fair digital finance index for low and middle-income countries which are members of the Accelerator - a group of associations trained to represent the collective consumer voice in fair digital finance.
Embedding Trust: The Potential of Privacy by Design for Inclusive Finance
This report introduces Privacy by Design (PbD) and provides a review of the main PbD approaches in literature and wider market practice for their potential applications in the financial inclusion sector.
The Role of Mobile Money Providers and Their Agents in Protecting Customers’ Data
This slide deck presents research findings identifying good practices of responsible agents in safeguarding their customers’ data and the role that providers can play in promoting these practices.
Application of CGAP Customer Outcomes Framework in Uganda
This case study tests the impact of a new basic savings product positioned in the financial inclusion market using the CGAP customer outcome indicator framework.
Colombia's Ingreso Solidario: Improving Social Protection Through Public-Private Collaboration and Responsible Digital Payment Practices as Part of COVID-19 Emergency Response
This case study illustrates how designing programs responsibly can result in greater trust in digital financial services, leading to greater volumes of digital transactions, and increased use of digital savings and e-commerce services.
Consumer Risks and Digital Financial Services: A Côte d’Ivoire Study
This study is part of the activities of the Laboratory for the Protection of Digital Financial Services Users launched by CGAP in 2021 with an objective to accompany local actors in building a responsible ecosystem for digital financial services.