文件与报告库
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Financially inclusive ecosystems : the roles of government today : Ecosistemas financieros inclusivos : la función de los Gobiernos en la actualidad (西班牙语)
Financial inclusion today is about financial markets that serve more people with more products at lower cost. This focus note first describes the challenges of the broader financial inclusion landscape...
文件类型: 简介 报告号: 68069 文件日期: 2012年2月1日 披露方式: Disclosed 作者: Ehrbeck,Tilman D.,Pickens,Mark,Tarazi,Ala Michael
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Financially inclusive ecosystems : the roles of government today : Écosystèmes financiers inclusifs : le rôle des États aujourd’hui (法语)
Financial inclusion today is about financial markets that serve more people with more products at lower cost. This focus note first describes the challenges of the broader financial inclusion landscape...
文件类型: 简介 报告号: 68069 文件日期: 2012年2月1日 披露方式: Disclosed 作者: Ehrbeck,Tilman D.,Pickens,Mark,Tarazi,Ala Michael
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Financially inclusive ecosystems : the roles of government today (英语)
Financial inclusion today is about financial markets that serve more people with more products at lower cost. This focus note first describes the challenges of the broader financial inclusion landscape...
文件类型: 简介 报告号: 68069 文件日期: 2012年2月1日 披露方式: Disclosed 作者: Ehrbeck,Tilman D.,Pickens,Mark,Tarazi,Ala Michael
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Agent management toolkit : building a viable network of branchless banking agents - technical guide (英语)
This guide presents practical advice to providers on how to build a viable network of agents, which is a critical component of a branchless banking service. This guide is based on more than a year of research...
文件类型: 工作文件 报告号: 63335 文件日期: 2011年1月1日 披露方式: Disclosed 作者: Flaming,Mark Wayne,Mckay,Claudia Vonderohe,Pickens,Mark
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Branchless Banking 2010 : who’s served? at what price? what’s next? : Banque à distance 2010 : pour qui? à quel prix? quelles perspectives? (法语)
New research reveals that low-income families in Bangladesh, India, and South Africa use an average of eight different financial instruments each year to move money over time, and that active management...
文件类型: 简介 报告号: 82620 文件日期: 2010年9月1日 披露方式: Disclosed 作者: Mckay,Claudia Vonderohe,Pickens,Mark
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2010年的无网点银行模式：服务对象、收费标准与前景展望 (汉语)
新的研究表明，孟加拉国、印度和南非的低收入家庭每年平均使用八种不同的金融手段来实现资金在时间上的转移，此种资金的积极管理对于他们的基本生活来说是必需的。基于这一现实，无网点银行及其更低的服务成本让其在发展中国家有很大需求，尤其是在巴西与肯尼亚。本文对18家无网点银行服务提供商、总计客户数量超过5000万的数据进行评估。其一个发现是与之前的认识不同，无网点银行非但没有取代小额信贷机构，反而是它的一个补充。平均而言，无网点银行服务比银行通过传统渠道提供的同类产品便宜19%。一项截至到目前的研究显示，与传统渠道相比，客户利用无网点银行提供的中期储蓄和账单缴付服务将会至少便宜50%。无网点银行的覆盖范围需要进一步夸大，虽然它在许多发展中国家已经吸引了不少未享受银行服务的客户。其潜在的客户最有可能来自目前采用零碎的方式理财的群体，其中的一些方式较无网点银行而言更加脆弱和花费更高。研究还表明客户需要支付之外的产品与服务。目前，已有部分服务商开始积极响应客户需求。然而，作者对由移动网络运营（MNOs）提供的支付以外的新产品和服务持谨慎态度，指出因为监管和知识缺失而怀疑其最终能否成功。本文还建议在未来的研究中寻找一些非典型的，而不是典型的用户进行分析，以便激发满足无银行服务需求的新产品创意，而非仅是改进现有产品。
文件类型: 简介 报告号: 82620 文件日期: 2010年9月1日 披露方式: Disclosed 作者: Mckay,Claudia Vonderohe,Pickens,Mark
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Branchless Banking 2010 : who’s served? at what price? what’s next? (英语)
New research reveals that low-income families in Bangladesh, India, and South Africa use an average of eight different financial instruments each year to move money over time, and that active management...
文件类型: 简介 报告号: 82620 文件日期: 2010年9月1日 披露方式: Disclosed 作者: Mckay,Claudia Vonderohe,Pickens,Mark
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Branchless Banking 2010 : who’s served? at what price? what’s next? : La banca sin sucursales en 2010 : ¿a quién presta servicios? ¿a qué precio? ¿Hacia dónde se dirige? (西班牙语)
New research reveals that low-income families in Bangladesh, India, and South Africa use an average of eight different financial instruments each year to move money over time, and that active management...
文件类型: 简介 报告号: 82620 文件日期: 2010年9月1日 披露方式: Disclosed 作者: Mckay,Claudia Vonderohe,Pickens,Mark
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Window on the unbanked : mobile money in the Philippines (英语)
Earlier this year, Consultative Group to Assist the Poorest (CGAP) teamed up with the Global System for Mobile Communications (GSM) Association (GSMA) (a global trade association for the mobile communications...
文件类型: 简介 报告号: 56724 文件日期: 2009年12月1日 披露方式: Disclosed 作者: Pickens,Mark
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Banking the poor via G2P payments (阿拉伯语)
Governments make regular payments to at least 170 million poor people worldwide far more than the 99 million or so who have active microloans. In this focus note, the authors look at government-to-person...
文件类型: 简介 报告号: 56624 文件日期: 2009年12月1日 披露方式: Disclosed 作者: Pickens,Mark,Porteous,David John,Rotman,Sarah Catherine
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Banking the poor via G2P payments (英语)
Governments make regular payments to at least 170 million poor people worldwide far more than the 99 million or so who have active microloans. In this focus note, the authors look at government-to-person...
文件类型: 简介 报告号: 56624 文件日期: 2009年12月1日 披露方式: Disclosed 作者: Pickens,Mark,Porteous,David John,Rotman,Sarah Catherine
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Scenarios for branchless banking in 2020 (阿拉伯语)
The growing use of branchless banking channels over the coming years is inevitable in most countries. But it's far less certain whether large numbers of the unbanked poor will use these alternative channels...
文件类型: 简介 报告号: 56623 文件日期: 2009年10月1日 披露方式: Disclosed 作者: Pickens,Mark,Porteous,David John,Rotman,Sarah Catherine
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Scenarios for branchless banking in 2020 (英语)
The growing use of branchless banking channels over the coming years is inevitable in most countries. But it's far less certain whether large numbers of the unbanked poor will use these alternative channels...
文件类型: 简介 报告号: 56623 文件日期: 2009年10月1日 披露方式: Disclosed 作者: Pickens,Mark,Porteous,David John,Rotman,Sarah Catherine
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Poor people using mobile financial services : observations on customer usage and impact from M-PESA (英语)
Despite growing agreement on the potential of technology to expand access to finance, or branchless banking, there is surprisingly little data publicly available about low-income users. This brief draws...
文件类型: 简介 报告号: 50306 文件日期: 2009年8月1日 披露方式: Disclosed 作者: Morawczynski,Olga,Pickens,Mark
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Using technology to build inclusive financial systems (英语)
Innovative use of information and communications technologies to inexpensively process a large volume of small transactions and deliver a wide range of financial services may help to make microfinance...
文件类型: 简介 报告号: 47972 文件日期: 2006年4月1日 披露方式: Disclosed 作者: Ivatury,Gautam J.,Pickens,Mark,Siedek,Hannah Philippa Maria
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Using technology to build inclusive financial systems (阿拉伯语)
Innovative use of information and communications technologies to inexpensively process a large volume of small transactions and deliver a wide range of financial services may help to make microfinance...
文件类型: 简介 报告号: 47972 文件日期: 2006年4月1日 披露方式: Disclosed 作者: Ivatury,Gautam J.,Pickens,Mark,Siedek,Hannah Philippa Maria
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Mobile phones for microfinance (英语)
Mobile phones can be used for financial services in three different ways: for micro payments (m-commerce), as electronic money (e-money), and as a banking channel. The report examines who offers mobile...
文件类型: 简介 报告号: 44587 文件日期: 2006年4月1日 披露方式: Disclosed 作者: Ivatury,Gautam J.,Pickens,Mark
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Mobile phones for microfinance : Telefonos celulares para las microfinanzas (西班牙语)
Mobile phones can be used for financial services in three different ways: for micro payments (m-commerce), as electronic money (e-money), and as a banking channel. The report examines who offers mobile...
文件类型: 简介 报告号: 44587 文件日期: 2006年4月1日 披露方式: Disclosed 作者: Ivatury,Gautam J.,Pickens,Mark
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Using technology to build inclusive financial systems : La technologie au service de systemes financiers inclusifs (法语)
Innovative use of information and communications technologies to inexpensively process a large volume of small transactions and deliver a wide range of financial services may help to make microfinance...
文件类型: 简介 报告号: 47972 文件日期: 2006年4月1日 披露方式: Disclosed 作者: Ivatury,Gautam J.,Pickens,Mark,Siedek,Hannah Philippa Maria
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Uganda - Country-level savings assessment CGAP savings initiative (英语)
This report summarizes the results of the fifth test of the Country-Level Savings Assessment Toolkit under development as part of CGAP's Savings Initiative. The purpose of the toolkit is to help government...
文件类型: 工作文件 报告号: 36082 文件日期: 2006年4月1日 披露方式: Disclosed 作者: Deshpande,Gauri Rani,Messan,Fumilayo Hermann,Pickens,Mark