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Encouraging Responsible and Inclusive Financial Innovation through Regulation

Regulatory sandboxes can be a powerful tool to advance policy objectives. CGAP created practical technical guidance to help regulators make more intentional and objective-driven decisions about whether and how to build regulatory sandboxes.

How Morocco’s New WFI Coalition Redefines Business-as-Usual

Morocco’s Women’s Financial Inclusion Coalition is a bold, coordinated effort to close the country’s gender gap in finance by aligning public and private actors, linking policy to practice, and driving systemic, lasting change for women.

What the New FATF Travel Rule Means for Financial Inclusion

While new FATF updates aim to combat money laundering, financing of terrorism, and fraud, they also raise important questions about how implementation will affect financial inclusion. We offer analysis on Recommendation 16 (or the 'Travel Rule').

The FATF’s Revised Travel Rule: Key Changes for Payment Transparency

The Financial Action Task Force (FATF) recently adopted a revised travel rule for payments and value transfers – known as Recommendation 16 (R.16). The adoption of the rule raises some important questions – why was this revision required and what is the scope of the changes?

Resilience for All: Why Inclusive Finance Can't Wait

The world faces urgent challenges as risks intensify and interconnect, amplifying vulnerabilities, especially for low-income populations and small and medium enterprises (MSEs). If left unaddressed, these vulnerabilities can create ripple effects with national, regional, and global consequences. This paper highlights the importance of inclusive finance as an indispensable component of resilience responses, and calls on everyone working on increasing resilience to leverage inclusive finance to enhance the reach, speed, and impact of their work.

Will FATF’s Travel Rule Revisions Affect Financial Inclusion?

The FATF is consulting on revisions to its travel rule that will affect all payments. However, the changes pose a threat to the speed, cost, and inclusiveness that the international community expects from global remittances. So why the change?

Impact Pathfinder: Leveraging Evidence to Shape Financial Inclusion

CGAP, in partnership with Dalberg, has developed the Impact Pathfinder as part of a new outcome agenda for the financial inclusion community. The Impact Pathfinder makes existing evidence on financial inclusion more accessible and actionable.

Social Protection + Financial Inclusion = A Path to Climate Resilience

Social protection programs hold immense potential for climate adaptation. Financial inclusion can further these climate goals, but while promising examples exist, they are still emerging—representing a promise waiting to be realized.

Outcome Indicators in Financial Inclusion - Are They Up to the Challenge?

Indicators help track progress across populations and evaluate financial service impacts. To justify their high cost, it's crucial to define their capabilities and limitations in addressing geographic and demographic variations.

Inclusive Finance Can Deliver Climate Funding Into the Hands of People Who Need It Most

Climate change disproportionately affects people experiencing poverty, yet they often lack the financial tools needed to adapt. Focus must shift to ensuring that climate funding reaches the individuals and communities most impacted.

Three Principles to Guide Financial Health Measurement

Global financial health measurement varies, reflecting the need for widely applicable guidelines to make sure financial health measurement provides relevant insights. We outline three principles to help refine approaches and improve insights.

G20 Policy Options for Financial Inclusion at the Last Mile

Despite gains in financial inclusion, several populations at the "last mile" remain excluded. This Note, prepared by CGAP, the World Bank, and the Better than Cash Alliance for GPFI, provides a framework for the necessary public infrastructure and regulatory enablers to reduce the barriers commonly faced by these last mile segments and emphasizes the need for more targeted policies and investments to address non-financial barriers.

Charting the Path to Belém: Inclusive Finance Is the Key to Climate Action

Talks around climate finance dominated COP29, but sourcing funding is only one part of the puzzle. Now the NCQG – the newly agreed global funding target – has been agreed, it's time to focus squarely on how the money will be disbursed and to whom.

Alternative Pathways for Young Women’s Dreams: How FI Policy Can Help

Many young women are out of school, married, or raising children, yet policies often overlook their economic realities. Policymakers can empower them by making policy that helps them plan for their futures while working with their lived realities.

Reflecting on 15 Years of the UNSGSA Driving Financial Inclusion Impact

Marking 15 years of Queen Máxima of the Netherlands and UNSGSA driving financial inclusion impact, CGAP CEO Sophie Sirtaine reflects on the significant strides the industry has made in advancing financial inclusion worldwide.

From Crisis to Resilience: The Role of Inclusive Finance in Fragile Countries

Inclusive finance can bolster resilience and unlock opportunities for low-income people in fragile countries. CGAP identifies three levers of change for funders: leveraging humanitarian cash transfers, understanding informal financial services, and improving local market facilitation.

Financial Inclusion 2.0: Embracing a New Outcome Agenda

Financial inclusion has a key role to play as an enabler for development outcomes and as a foundational element to improve livelihoods and build resilience in an ever more vulnerable and turbulent world.

Financial Inclusion and Stability: A Balancing Act

Understanding the relationship between financial inclusion and stability is imperative for policymakers to advance both these goals and respond to shocks that threaten financial stability in ways that protect inclusion.

What Does Financial Inclusion Mean for Young Women’s Well-being?

Well-implemented financial inclusion (FI) initiatives for various sub-segments of young women can produce positive financial and non-financial outcomes. Current research shows plural programs with FI components can benefit marginalized young women.

Climate Risk and Financial Inclusion: A Regulatory Perspective

Climate change risks may drive the financial sector away from serving the least profitable and most climate-exposed clients. This working paper outlines how inclusive green finance policies can help reduce these risks, creating a more stable and resilient real economy.