Digital Finance Retail Distribution Networks in Low- and Middle Income Countries: A Research Agenda

Framework paper

Markets for digital financial services (DFS) – particularly mobile money and agent banking – are growing rapidly in low- and middle-income countries and are being transformed by several digitalisation initiatives. Retail distribution and vendor networks are necessary building blocks for a robust digital finance ecosystem, due to their ability to convert money between physical cash and digital currency, and to serve as onboarding channels for a broader set of digital financial tools and services.

Year in Review 2023

Ethiopian delegation

Explore a year filled with engaging stakeholder interactions and impactful research activities as we diligently advanced the aims of the ReFinD Research Initiative. Our Year in Review provides highlights of the achievements and involvements within ReFinD during the past year.

January

ISSER calls on MoMo stakeholders to dialogue on finding a fair and sustainable compensation model for MoMo agents without jeopardizing financial inclusion

ISSER calls on MoMo stakeholders to dialogue on finding a fair and sustainable compensation model for MoMo agents without jeopardizing financial inclusion

The Retail Finance Distribution Network (ReFinD) research initiative, ISSER has issued a statement in response to the 30th of November press release by the Mobile Money Agents Association of Ghana.

Maiden ReFinD Webinar Series discusses competition in agent network development

The maiden ReFinD Webinar Series on Agent Network Development drew over a hundred participants spanning the agent network and financial inclusion value chains in Africa, Asia, Europe, and America, facilitating the exchange of global perspectives on competition and agent network development in LMICs. The event featured two competition-themed ReFinD projects, an expert panel discussion, and open discussions, making for an in-depth and enriching engagement with the with the topic.

ReFinD awards five new grants

ReFinD awards five new grants

ReFinD has awarded grants to five successful applicants under its second request for proposals (RFP2). The new group of grantees add to 10 researchers who are benefitting from grants under the ReFinD research initiative. This brings to a total of 15 the number of ReFinD-funded projects across Africa and Asia.  

Retracing the RFP2 process 

RFP2 grantees forge connections at inception workshop

RFP2 grantees forge connections at inception workshop

ReFinD organized an inception meeting for the successful applicants of its second Request For Proposals (RFP2). The virtual meeting provided a space for the newly selected grantees to deepen their understanding of the processes and expectations of the ReFinD grant, and learn about the projects of fellow grantees. The grantees represent six institutions from three countries.