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Better tools for managing money – from mobile payments, to digital credit and insurance – can help low-income households save, transact, and grow their businesses.

CEGA Work Sector - Financial Inclusion


In the absence of secure and reliable ways to save, borrow, and make payments, low-income households and small businesses often rely on costly and informal methods of managing their finances. Lack of traditional credit scores can further limit the ability of unbanked households to borrow money, perpetuating intergenerational cycles of poverty. Improving access to secure financial products and services—many of which leverage digital payment platforms—can lead to investments in durable assets and income-generating activities. Yet there remains a lack of evidence on the mechanisms by which these products and services alleviate (or further entrench) poverty. To fill this gap, CEGA mobilizes researchers to design and test secure financial products and services, regulatory approaches, and related consumer protection mechanisms. Our research informs decisions about product, program, and business model development, as well as the design of regulatory solutions that protect consumers.

  • Bill & Melinda Gates Foundation 
  • Visa


Digital Credit Observatory

The Digital Credit Observatory (DCO) fills critical gaps in knowledge on the impacts of digital credit and related consumer protection measures in emerging markets. Over four years, the DCO will fund a coordinated body of research in this space, engaging closely with key thought partners, industry partners, banks, and policy-makers throughout the process to ensure that the evidence generated is both relevant and...

Financial Inclusion Lab

The Financial Inclusion Lab (FIL), funded by a gift from Visa, was established in 2015 as a clearinghouse for research on the returns to investments in financial inclusion. Evidence generated through FIL guides Visa and its partners towards increasing the adoption and sustained use of electronic payments and complementary interventions in emerging markets. Currently, FIL is exploring the impacts of e-payment infrastructure on small business development in Mexico, and the effectiveness of linked lines of credit on cash transfer beneficiaries in the Dominican Republic...

Financial Inclusion Research

Financial InclusionHealth & PsychologyWork & Education

The Syrian Refugee Life Study

Edward Miguel
Data & MeasurementFinancial InclusionTechnology

Impact Credit Scoring for Women’s Empowerment

Joshua Blumenstock
Financial Inclusion

The Impacts of Liquidity Loans to Mobile Money Agents on Women Agents’ Empowerment, and Their Business and Transaction Behavior

Russell Toth
AgricultureFinancial Inclusion

Understanding the Barriers to Agricultural Credit for Women Farmers

Berber Kramer
Global NetworksFinancial Inclusion

The Effect of Labeling and Modern Depositing Mechanisms on Savings Behavior: A Pilot Study from Ethiopia

Jonathan Robinson
Global NetworksFinancial InclusionTechnologyWork & Education

Can gender blinding policies promote female entrepreneurship? The role of discrimination and access to capital

Ketki Sheth
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Financial Inclusion Resources

Financial Inclusion

Video: Cooperation in Monogamous and Polygynous Households- Alessandra Cassar (SEEDEC 2019)

Presentations   |   Financial Inclusion
Financial Inclusion

Video: Cooperation in Polygynous Pastoralist Households - Jessica Hoel (SEEDEC 2019)

Presentations   |   Financial Inclusion
Financial InclusionHealth & Psychology

Slides: Cooperation, Reciprocity, and Efficiency in Polygynous Pastoralist Households by Jessica Hoel (SEEDEC 2019)

Presentations   |   Financial Inclusion
Financial InclusionWork & Education

Slides: Lotto-Linked Savings Accounts in Haiti - Travis Lybbert (SEEDEC 2019)

Presentations   |   Financial Inclusion
Financial InclusionTechnology

Melanie Morten on A Personal Touch in Text Messaging for Microfinance

Presentations   |   Financial Inclusion
Financial InclusionTechnology

Paul Gertler on Banking on Trust

Presentations   |   Financial Inclusion
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Financial Inclusion

DCO Quarterly Newsletter: February 2020

Financial Inclusion

DCO Quarterly Newsletter: October 2019

Financial Inclusion

DCO Quarterly Newsletter: July 2018


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