Our Approach
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"We work to identify technologies that will best enable a wide range of potential providers to reach out to the poor regardless of their location or personal circumstances. That means mobile phones and other types of branchless banking, as well as the important role that information systems play for financial institutions." Gautam Ivatury, Team Leader, Technology
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Credit Scoring
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Alternative Data to Develop a Credit Score: The increasing use of electronic payment methods by lending institutions (e.g., mobile banking, ATMs, banking agents, etc.) increases the ability to track and exploit clients’ payment and transaction histories to predict payment capacity and creditworthiness. For clients without an existing credit history and without formal employment in developing countries, such data can be a valuable resource for lending institutions to better assess risk and help currently unbanked clients develop a formal credit history.
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Until recently, most government-to-person payments were carried out in person and in cash. But because of security risks and high transaction costs governments are switching to electronic delivery.
Previous Feature: Mobile Banking to Transform Microfinance
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News and Events
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Mobile banking: CGAP spurs market to reach 25 million people by 2012: CGAP is making a new four year commitment to identify, fund, research and champion technology enabled banking services for 25 million people in 20 countries. CGAP CEO Elizabeth Littlefield will announce the plan at the
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CGAP Seminar - Banking on Mobiles: Why, How, for Whom?: (October 1, 2008) This is a half-day seminar that will explore questions such as how to design systems that use banking agents while safeguarding the interests of customers and agents and can mobile phone banking really fulfill its potential, and how do microfinance institutions participate.
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Microfinance Technology Survey: Whether you're a small MFI or a big organization, your responses will help build a picture and create awareness of what's going on around information technology for the microfinance industry.
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Archive:
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CGAP Technology Blog
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CGAP's blog on mobile banking, technology and access to finance.
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Branchless Banking
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Branchless banking is the delivery of financial services outside conventional bank branches using information and communications technologies and nonbank retail agents, for example, over card-based networks or with mobile phones.
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MFI Systems
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Strong information systems (IS) are the foundation of any financial institution. Yet many microfinance institutions struggle with their systems resulting in inefficiencies which limit their ability to grow and eventually take advantage of other technologies, such as branchless banking.
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