Digital Financial Services

Financial solutions delivered over mobile and digital channels, typically enabling greater reach than traditional banking channels.  Services may include transactional or payments solutions that enhance client productivity or purchasing power.

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Tool: Speaker presentations posted from the Learning Lab's October 2016 partner gathering where financial service providers and other practitioners shared experiences and research on digitally-enabled finance and customer centricity.
Analysis: The Learning Lab is researching how digitalization affects the business case for smallholder finance, specifically: what role do digital tools play in successful business models for lending to smallholders? Here we provide early findings from the research, in the form of a presentation from a Sep. 2016 workshop where Dalberg and the Lab discussed the results of organization surveys and expert interviews.
Report: Cutting edge approaches to rural and agricultural finance rely on varying degrees of digitalization to reach more customers, and reduce costs and risks of serving smallholders. However, when the the product deployed is itself digital, there are new risks to manage. This handbook presents a risk management framework for DFS.
Spotlight:

M-KOPA, a winner of the 2015 FRP Scaling Competition, has taken a leadership role in Solar Home System financing. Read more to learn how M-KOPA is expanding its business model to address rural farmers’ needs through innovative financing options.

Spotlight: New guest blog from Farming First uses two case studies from their recently released climate smart video and case study series to explain how climate smart agriculture practices enable smallholders to more effectively and reliably use finance for agriculture production.
Report: IIF and CFI Accion’s recently published report, “The Business of Financial Inclusion: Insights from Banks in Emerging Markets” digs into commercial banks and the role of digital technology in the emerging market, a concept the Lab is currently looking into for the RAF space.
Analysis: The Learning Lab analyzes applications from the first Scaling Competition of The MasterCard Foundation Fund for Rural Prosperity. Findings confirm key trends from the first Innovation Challenge and identify new trends around bundled service offerings and digital solutions.
Tool: USAID mSTAR's recently published Guide, offers a road map for the use of digital finance services in agriculture to improve the value chain and increase farmer income.
Report: AFR explores FinScope's 2016 survey in their latest report on financial inclusion in Rwanda.
News: Opportunity International enters into a groundbreaking agreement with fintech company MyBucks Group to better serve customers throughout Africa.
Report: This white paper from Mercy Corps' AgriFin Accelerate program explores the major findings of a 2015 ecosystem study of digital financial and non-financial services for smallholders in Kenya.
Report: The 2015 international FGDA conference, "Improving Financial Inclusion of Smallholder Farmers”, brought together industry experts from MFIs and agricultural finance providers to exchange ideas and share best practices to close the financing gap for smallholder farmers.

Digital Financial Services

Financial solutions delivered over mobile and digital channels, typically enabling greater reach than traditional banking channels.  Services may include transactional or payments solutions that enhance client productivity or purchasing power.