All Publications
Banking-as-a-Service: How it Can Catalyze Financial Inclusion
This reading deck provides an analysis of the Banking-as-a-Service (BaaS) model, a new business model that enables non-banks to offer banking services under their own brand and seamlessly embedded into their digital offering with four case studies of BaaS providers from Europe, US and Mexico.
The Impact of Digital Technology and Business Regulations on Financial Inclusion and Socio-Economic Development in Low-Income Countries
This study casts a new angle of linking digital technology and business regulations as drivers of financial inclusion and socioeconomic development.
The SME Access to Digital Finance Study: A Deep Dive into the Latin American Fintech Ecosystem
This publication provides insights into micro, small and medium enterprises’ access to funding through the alternative finance industry in Latin America based on 540 survey responses from MSMEs in the region.
Low-Income Financial Services Market Sizing and Fintech Assessment: Kenya Country Report
This slide deck presents research findings estimating the size of the medium and small enterprise and low-income credit markets in Kenya, and assesses the potential of fintech firms to meet the needs of those markets.
Supervisory Implications of Artificial Intelligence and Machine Learning
This Note describes some of the uses of artificial intelligence and machine learning by financial institutions; considers the supervisory responses to such uses; and highlights some ways in which supervisory authorities can themselves use AI and ML to improve the effectiveness and efficiency of supervision.
Fintech: Financial Inclusion or Exclusion?
This paper examines two research questions. First, does fintech improve digital financial inclusion? Second, are there segments of society that are not included because they do not have the capacity and means to adopt fintech – such as women, the poor and people living in rural areas?
A PACT to Promote Resilience
This publication explains the four dimensions of the measurement PACT framework - Preparedness, Access, Capability, and Ties, and how fintechs support customers within them.
Informed Design: A Case Study Series (Lucy)
The second installment in a new case study series from FinEquity on informed design and digital financial services (DFS). This study examines product and service design by Lucy, a neobank for entrepreneurial women—specifically Foreign Domestic Workers in Singapore—providing DFS and business-building tools and training through a mobile app to help them start and grow their businesses.
The Promises and Perils of Investor-Driven Fintech: Forging People-Centered Alternatives
This paper provides a corrective to the rapidly proliferating myths and falsehoods surrounding the capacity of fintech to address poverty and promote sustainable and equitable local economic and social development in low- and middle-income countries.
Platform-Based Business Models and Financial Inclusion
This paper assesses how platform-based business models can affect financial inclusion, competition, financial stability and consumer protection.