Customer Segmentation: Design and Delivery (Webinar)CGAP
This webinar, recorded in September with SPTF, covers the design and delivery of customer segmentation work. Included are example cases from CGAP's work, sharings by webinar participants, and a preview of CGAP's forthcoming Customer Segmentation Toolkit. The webinar recording is available at https://youtu.be/RJfthuKif80
An Introduction to Digital Credit: Resources to Plan a DeploymentCGAP
This is a workshop/course offering guidance in developing new digital credit products. This content is designed for a broad audience of banks, mobile operators, lenders, and fintech firms. It may also be of interest to regulators, policy makers and investors/donors.
With any comments or to request more materials (including the financial model [Excel] or original PPT presentation with detailed presenter notes), please write to cgap [@] worldbank.org.
Smartphones & Mobile Money: Principles for UI/UX Design (1.0)CGAP
CGAP holds that Smartphone interfaces are likely to become the main interface for mobile money use. A well-designed interface will drive growth, profitability, and a much improved user experience. This presentation outlines 21 principles for UI/UX design.
Why Star Ratings Matter for Financial InclusionCGAP
Using the example of MercadoLibre, this presentation details the ways in which e-commerce sales data--not typically available for credit scoring--can enrich existing scoring models and improve their predictive power, with positive implications for the financially excluded.
Digital Rails: How Providers Can Unlock Innovation in DFS Ecosystems Through ...CGAP
This document explains the concept of “Open APIs” in digital finance services (DFS), how they enable increased innovation, and the role they can play in expanding DFS ecosystems.
Enhancing Customer Engagement and Experience of Microinsurance in AfricaCGAP
CGAP conducted an Applied Product Innovation project with insurance intermediary MicroEnsure and design firm Continuum. MicroEnsure, a leader in the provision of insurance for the mass market in Africa and Asia and Airtel, a leading global telecom, have a partnership to deliver insurance to 17 countries in Africa over the next three years. Our challenge: using human centered design techniques to figure out how to deliver relevant insurance products to the mass market, leveraging mobile phones.
Designing Products for G2P recipients through Financial Diaries and Ethnograp...CGAP
Caixa, Brazil's largest public bank and the distributor of the country’s flagship federal assistance program, partnered with CGAP to conduct a financial diaries project in Brazil. The goal of the project was to gain a better understanding of the financial behaviors of low-income people in Brazil and to define what financial products they need.
Read more at CGAP.org:
http://www.cgap.org/blog/seasonal-unsteady-income-drives-economic-vulnerability-brazil
Customer Segmentation: Design and Delivery (Webinar)CGAP
This webinar, recorded in September with SPTF, covers the design and delivery of customer segmentation work. Included are example cases from CGAP's work, sharings by webinar participants, and a preview of CGAP's forthcoming Customer Segmentation Toolkit. The webinar recording is available at https://youtu.be/RJfthuKif80
An Introduction to Digital Credit: Resources to Plan a DeploymentCGAP
This is a workshop/course offering guidance in developing new digital credit products. This content is designed for a broad audience of banks, mobile operators, lenders, and fintech firms. It may also be of interest to regulators, policy makers and investors/donors.
With any comments or to request more materials (including the financial model [Excel] or original PPT presentation with detailed presenter notes), please write to cgap [@] worldbank.org.
Smartphones & Mobile Money: Principles for UI/UX Design (1.0)CGAP
CGAP holds that Smartphone interfaces are likely to become the main interface for mobile money use. A well-designed interface will drive growth, profitability, and a much improved user experience. This presentation outlines 21 principles for UI/UX design.
Why Star Ratings Matter for Financial InclusionCGAP
Using the example of MercadoLibre, this presentation details the ways in which e-commerce sales data--not typically available for credit scoring--can enrich existing scoring models and improve their predictive power, with positive implications for the financially excluded.
Digital Rails: How Providers Can Unlock Innovation in DFS Ecosystems Through ...CGAP
This document explains the concept of “Open APIs” in digital finance services (DFS), how they enable increased innovation, and the role they can play in expanding DFS ecosystems.
Enhancing Customer Engagement and Experience of Microinsurance in AfricaCGAP
CGAP conducted an Applied Product Innovation project with insurance intermediary MicroEnsure and design firm Continuum. MicroEnsure, a leader in the provision of insurance for the mass market in Africa and Asia and Airtel, a leading global telecom, have a partnership to deliver insurance to 17 countries in Africa over the next three years. Our challenge: using human centered design techniques to figure out how to deliver relevant insurance products to the mass market, leveraging mobile phones.
Designing Products for G2P recipients through Financial Diaries and Ethnograp...CGAP
Caixa, Brazil's largest public bank and the distributor of the country’s flagship federal assistance program, partnered with CGAP to conduct a financial diaries project in Brazil. The goal of the project was to gain a better understanding of the financial behaviors of low-income people in Brazil and to define what financial products they need.
Read more at CGAP.org:
http://www.cgap.org/blog/seasonal-unsteady-income-drives-economic-vulnerability-brazil
In 2015, the CGAP-funded Financial Inclusion Insights Survey was conducted in Rwanda by InterMedia. The survey analyzes trends in mobile money usage in the country and highlights opportunities for growth in the industry.
Services Financiers Numériques pour les Producteurs de Cacao en Côte d’IvoireCGAP
Les petits exploitants agricoles, même ceux des chaines de valeur structurées comme celle du cacao en Côte d’Ivoire, n’ont généralement pas la possibilité d’accéder aux services des banques, institutions de microfinance et autres institutions financières formelles. Fournir à ces segments de clients des services financiers adaptés qui soient abordables et durables constitue un défi majeur.
L’un des nombreux défis en Côte d’Ivoire est de sortir du système de paiement en espèces pour qu’ainsi un lien soit établi entre ces exploitants agricoles et les institutions financières. Le canal mobile offre une opportunité unique pour effectuer cette transition du cash vers les paiements numériques mais la proposition de valeur pour les exploitants agricoles doit être attractive.
C’est ce défi qu’Advans Côte d'Ivoire s’est engagée à relever et les résultats du projet pilote – mis en œuvre au cours des derniers 22 mois par Advans avec l’appui du CGAP - sont prometteurs.
Saldazo, a Visa debit card product co-branded with Banamex bank, has made Mexico’s largest corner store retail chain – OXXO – the country’s number one transactional account supplier. This presentation provides a Mexican market overview and shares key success factors, challenges and insights from this project.
Digital Finance and Innovations in Education: Workshop ReportCGAP
CGAP’s Digital Finance Plus initiative convened a workshop in Nairobi on 7 April 2016 aimed at bringing together stakeholders interested in the opportunities for digital finance to improve the affordability of education for low-income households. This document captures themes from the workshop presentations and design thinking session.
Digital Financial Services for Cocoa Farmers in Côte d'IvoireCGAP
Smallholder farmers, even those in structured value chains such as cocoa farmers in Côte d’Ivoire, are largely unable to access banks, microfinance institutions and other formal financial institutions. Providing meaningful financial services to these customers in an affordable and sustainable manner is a great challenge. In Côte d’Ivoire, transitioning from cash to digital payments may alleviate some of these challenges
This presentation details a digital financial services pilot project – implemented over 22 months by Advans Côte d'Ivoire with the support of CGAP – which has shown promising results.
Global Landscape Study on P2G Payments: Summary of in-country consumer resear...CGAP
For this study on P2G (Person-to-government) payments, Rwanda was selected as a focus country given the potential reach and varied nature of two key initiatives: the IREMBO e-government platform and the Tap&Go smartcard for public bus transport. Digital payments for school fees and utility payments were also studied. Tap&Go is privately managed but offers P2G learnings for other countries where public transport is government-run.
The research sought to answer questions across three key areas:
1. How well did digital P2G payment solutions reach and address the needs of the financially excluded?
2. What were effective and sustainable business models between actors, and how were they set up?
3. How do current and planned solutions support and work with the evolving digital payments ecosystem in Rwanda?
The Global Landscape of Digital Finance InnovationsCGAP
More than half of the world’s adult population, nearly 2.5 billion people, remain unbanked. Technology – particularly the mobile phone – has been used in recent years to extend financial services past the limits of bank branches and reach new consumers in traditionally underserved segments. Initial efforts focused on payments but have now grown to include savings, insurance and credit products delivered by digital channels, known as “products beyond payments.” Despite a dramatic expansion in the number of digital financial service deployments, the offering of these financial services are not new services. Rather, they are existing services migrated to a lower-cost digital channel, therefore offering greater scale potential. And even then, use of these channels currently remain low.
This research seeks to accomplish four objectives:
Catalog the ways in which technology, especially mobile, can enhance access or use of financial services
Provide a comprehensive landscape of the latest innovations in digital finance
Consider the current and potential impact of these innovations on financial inclusion
Identify enabling conditions and investments needed to unlock the potential of the sector
Though digital credit has been in Tanzania for years, there have been few analyses of the country’s digital credit market. Existing studies raise important concerns about digital credit’s impact on customers. To help fill this knowledge gap in Tanzania, CGAP and the Busara Center for Behavioral Economics, at the request of the Bank of Tanzania, analyzed data from three digital credit providers and built a first-of-its-kind, data-driven picture of the digital credit market’s evolution and current state. In total, we looked at transactional and demographic data for more than 20 million loans disbursed over 23 months.
This playbook discusses the various value-added services (VAS) that could increase uptake of mobile retail payments in Tanzania and similar emerging markets.
Digitizing Merchant Payments: What Will It Take?CGAP
A staggering amount of cash is paid to retail merchants worldwide -- around $19 trillion out of a total of $34 trillion in payments. What will it take for digital payments to beat cash?
Wallet and Over-the-Counter Transactions: Understanding Financial IncentivesCGAP
How well do financial incentives encourage customers to opt for wallet transactions instead of over-the-counter transactions? To find out, CGAP looked at four diverse markets in Africa and Asia: Bangladesh, Ghana, Pakistan, and Tanzania.
Real-Time Customer Interactions via SMS (Juntos and Mynt)CGAP
Myntpartnered with Juntos to impact customers’ financial behavior. Phase I was focused on driving GCash transactions and the purpose of Phase II was to engage customers on topics of credit and the Instaloan product.
Alternative lending options have grown rapidly over the past 10 years. This deck offers an overview of digital credit and key takeaways from contexts around the world.
In 2015, the CGAP-funded Financial Inclusion Insights Survey was conducted in Rwanda by InterMedia. The survey analyzes trends in mobile money usage in the country and highlights opportunities for growth in the industry.
Services Financiers Numériques pour les Producteurs de Cacao en Côte d’IvoireCGAP
Les petits exploitants agricoles, même ceux des chaines de valeur structurées comme celle du cacao en Côte d’Ivoire, n’ont généralement pas la possibilité d’accéder aux services des banques, institutions de microfinance et autres institutions financières formelles. Fournir à ces segments de clients des services financiers adaptés qui soient abordables et durables constitue un défi majeur.
L’un des nombreux défis en Côte d’Ivoire est de sortir du système de paiement en espèces pour qu’ainsi un lien soit établi entre ces exploitants agricoles et les institutions financières. Le canal mobile offre une opportunité unique pour effectuer cette transition du cash vers les paiements numériques mais la proposition de valeur pour les exploitants agricoles doit être attractive.
C’est ce défi qu’Advans Côte d'Ivoire s’est engagée à relever et les résultats du projet pilote – mis en œuvre au cours des derniers 22 mois par Advans avec l’appui du CGAP - sont prometteurs.
Saldazo, a Visa debit card product co-branded with Banamex bank, has made Mexico’s largest corner store retail chain – OXXO – the country’s number one transactional account supplier. This presentation provides a Mexican market overview and shares key success factors, challenges and insights from this project.
Digital Finance and Innovations in Education: Workshop ReportCGAP
CGAP’s Digital Finance Plus initiative convened a workshop in Nairobi on 7 April 2016 aimed at bringing together stakeholders interested in the opportunities for digital finance to improve the affordability of education for low-income households. This document captures themes from the workshop presentations and design thinking session.
Digital Financial Services for Cocoa Farmers in Côte d'IvoireCGAP
Smallholder farmers, even those in structured value chains such as cocoa farmers in Côte d’Ivoire, are largely unable to access banks, microfinance institutions and other formal financial institutions. Providing meaningful financial services to these customers in an affordable and sustainable manner is a great challenge. In Côte d’Ivoire, transitioning from cash to digital payments may alleviate some of these challenges
This presentation details a digital financial services pilot project – implemented over 22 months by Advans Côte d'Ivoire with the support of CGAP – which has shown promising results.
Global Landscape Study on P2G Payments: Summary of in-country consumer resear...CGAP
For this study on P2G (Person-to-government) payments, Rwanda was selected as a focus country given the potential reach and varied nature of two key initiatives: the IREMBO e-government platform and the Tap&Go smartcard for public bus transport. Digital payments for school fees and utility payments were also studied. Tap&Go is privately managed but offers P2G learnings for other countries where public transport is government-run.
The research sought to answer questions across three key areas:
1. How well did digital P2G payment solutions reach and address the needs of the financially excluded?
2. What were effective and sustainable business models between actors, and how were they set up?
3. How do current and planned solutions support and work with the evolving digital payments ecosystem in Rwanda?
The Global Landscape of Digital Finance InnovationsCGAP
More than half of the world’s adult population, nearly 2.5 billion people, remain unbanked. Technology – particularly the mobile phone – has been used in recent years to extend financial services past the limits of bank branches and reach new consumers in traditionally underserved segments. Initial efforts focused on payments but have now grown to include savings, insurance and credit products delivered by digital channels, known as “products beyond payments.” Despite a dramatic expansion in the number of digital financial service deployments, the offering of these financial services are not new services. Rather, they are existing services migrated to a lower-cost digital channel, therefore offering greater scale potential. And even then, use of these channels currently remain low.
This research seeks to accomplish four objectives:
Catalog the ways in which technology, especially mobile, can enhance access or use of financial services
Provide a comprehensive landscape of the latest innovations in digital finance
Consider the current and potential impact of these innovations on financial inclusion
Identify enabling conditions and investments needed to unlock the potential of the sector
Though digital credit has been in Tanzania for years, there have been few analyses of the country’s digital credit market. Existing studies raise important concerns about digital credit’s impact on customers. To help fill this knowledge gap in Tanzania, CGAP and the Busara Center for Behavioral Economics, at the request of the Bank of Tanzania, analyzed data from three digital credit providers and built a first-of-its-kind, data-driven picture of the digital credit market’s evolution and current state. In total, we looked at transactional and demographic data for more than 20 million loans disbursed over 23 months.
This playbook discusses the various value-added services (VAS) that could increase uptake of mobile retail payments in Tanzania and similar emerging markets.
Digitizing Merchant Payments: What Will It Take?CGAP
A staggering amount of cash is paid to retail merchants worldwide -- around $19 trillion out of a total of $34 trillion in payments. What will it take for digital payments to beat cash?
Wallet and Over-the-Counter Transactions: Understanding Financial IncentivesCGAP
How well do financial incentives encourage customers to opt for wallet transactions instead of over-the-counter transactions? To find out, CGAP looked at four diverse markets in Africa and Asia: Bangladesh, Ghana, Pakistan, and Tanzania.
Real-Time Customer Interactions via SMS (Juntos and Mynt)CGAP
Myntpartnered with Juntos to impact customers’ financial behavior. Phase I was focused on driving GCash transactions and the purpose of Phase II was to engage customers on topics of credit and the Instaloan product.
Alternative lending options have grown rapidly over the past 10 years. This deck offers an overview of digital credit and key takeaways from contexts around the world.
2 billion people globally have no bank account, but 1 billion of them have a mobile phone. Markets for digital financial services are expanding worldwide.
Understanding the East African Aggregator LandscapeCGAP
What are aggregators?
Aggregators can be thought of as the glue that helps many parts of the digital financial services (DFS) ecosystem to work together.
They allow Payment Instrument Providers (PIPs) – like Mobile Network Operators (MNOs) offering mobile money services or banks offering mobile banking - to easily integrate with entities that want to send money to or receive money from end customers. These entities can be utility companies who want to receive payments, businesses who want to pay salaries or donors who want to pay recipients, for example.
Why do they matter?
Aggregators enable the seamless collection, disbursement and circulation of digital payments across multiple payment providers. They mostly work in the background, and millions of transactions in East Africa pass through them everyday–usually without customers even being aware of them.
In 2015, the CGAP-funded Financial inclusion Insights Survey was conducted in Ghana by InterMedia to analyze the trends and usage of mobile money in the country. This report shares data from the survey and highlights opportunities for growth and expansion.
for more information, visit www.cgap.org/mobilemoneymomentum
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the telegram contact of my personal vendor.
@Pi_vendor_247
#pi network #pi coins #legit #passive income
#US
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
Optimizing Apps For Technical Constraints in Emerging Markets
Eric Tyler – Erict19@gmail.com
------------------
SLIDE 19: Data constraints
Utilize caching and compression: https://code.facebook.com/posts/1365439333482197/how-we-built-facebook-lite-for-every-android-phone-and-network
Caching: https://www.youtube.com/watch?v=7lxVqqWwTb0&index=1&list=PLOU2XLYxmsIKEOXh5TwZEv89aofHzNCiu
https://www.youtube.com/playlist?list=PLOU2XLYxmsIKEOXh5TwZEv89aofHzNCiu
Minimize APK size - http://stackoverflow.com/questions/3815269/how-to-reduce-app-apk-size
Optimize data fetching and pushing: https://code.facebook.com/posts/1365439333482197/how-we-built-facebook-lite-for-every-android-phone-and-network
Build asynchronous requests: http://gsmaterminals.github.io/Developer-Guidelines-Public/#4_1_asynchrony
Network Constraints
Optimize client-server & network interaction - http://developer.android.com/training/efficient-downloads/efficient-network-access.html & http://developer.android.com/training/basics/network-ops/managing.html & https://code.facebook.com/posts/952628711437136/classes-performance-and-network-segmentation-on-android/
Consider an offline mode: http://gsmaterminals.github.io/Developer-Guidelines-Public/#3_2_3_offline_mode
Include low-bandwidth rendering: http://gsmaterminals.github.io/Developer-Guidelines-Public/#3_2_4_bandwidth_awareness
Account for wifi offloading: http://www.aptilo.com/mobile-data-offloading/wifi-offload-3g-4g
Hardware constraints
Adapt application behavior for different device classes - https://github.com/facebook/device-year-class
Minimize RAM, battery and storage → Ram -https://source.android.com/devices/tech/debug/procstats.html Power - https://source.android.com/devices/tech/power/index.html Battery - https://source.android.com/devices/tech/power/batterystats.html
Memory -- http://developer.android.com/training/articles/memory.html
Account for multiple screens: https://github.com/facebook/device-year-class
Ensure background is dormant: http://gsmaterminals.github.io/Developer-Guidelines-Public/#4_6_background_foreground_modes
---------
Efficient Network Connection Usage
Account for seamless network switching
Offloading to wifi
Asynschony
Offline mode
Bandwith Awareness
Efficient network connections
Optimized Traffic Usage
Utilize Compression
Dormant background mode
methods of optimal data transmission (efficient protocols, caching, compression, data aggregation, pipelining, etc.)
Resilient to changing network conditions
Support Compression
Usability/ Asynchrony (Asynchronous requests)
Techniques such as pipelining and asynchrony should be used to ensure that the client operates smoothly
Efficient network connection usage
Use strategies that minimiseand optimise data traffic and avoid unnecessary data transfers, especially when roaming.
Background/ foreground modes
Deactivate background processes when not required. Deactivate background processes when not required.
Background/ foreground modes, Scheduling
Design polling applications to aggregate their network activities.
Connection loss and error handling
Applications should be resilient to changing network conditions and errors.
Compression
Applications using HTTP should support compression.
Data push
Applications should use push services in preference to polling.
Slow connectivity
-Provide low-bandwidth UI for seamless downgrade
-Use progress rendering
-Prioritize serving the most popular user request
Intermittent connectivity
-Work seamlessly between 2g/3g/LTE
-Pre-cache and download when wifi available
-Core usability in offline when connection lost
Hardware
— Account for capability for small screens
— Built for limited RAM/local storage
— Optimize for minimal batter usage
Software
—Optimize for small app footprint
—Provide an mobile-web version
Costs
—Minimize cost from download through usage
— Only update when necessary and small size
— Communicate the value-add of updates