This paper suggests important strategies that digital finance providers (mobile network operators [MNOs], banks and third parties) should adopt to manage the influx of fintech (technology firms) players into the developing world. We believe that to compete or collaborate with fintech players,...

This paper lays out a framework for understanding agent network size in an ecosystem, drawing the distinction between agent tills and agent outlets and discussing agent activity rates. We argue that the number of active agent outlets represents a more appropriate measure access to finance than...

Despite several attempts to provide financial services in rural areas in Solomon Islands, there has never been a model that follows global best practices or has reached sustainability on a significant scale. Despite the daunting infrastructure, political, economic and demographic impediments to...

The digital finance industry is both young and dynamic, and, as it grows, it is constantly innovating to address the issues it faces. One of the contemporary issues of discussion is over-the-counter (OTC) transactions. The delivery of mobile money over the counter, raises a number of questions...

It is ironic that most digital money is delivered through very analog agent networks. These networks are defined by large field teams, stacks of paperwork and layers of cash management logistics. The problems the first generation of agent networks faced ten years ago are still issues today, and...

This paper is designed to help fintech innovators understand the unique money management strategies used by low-income people in the developing world. The paper is aimed to serve as a tool to help fintech providers design appropriate financial products that underserved individuals will want to...