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.