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Beyond the Bubble: What’s Cool, Potentially Cool, And Clearly Not Cool About Bitcoin in Financial Inclusion?
Bitcoin owners are laughing all the way to the (virtual) bank: The cryptocurrency’s value has gone up over 2,000 percent in the past year. But along with concerns about a likely "market correction," this has raised some pressing questions about its value as a tool for financial inclusion. Ignacio Mas explores Bitcoin's potential on that front, offering four points to consider.
- Categories
- Finance, Investing, Technology
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The Clear Blue Water on the Other Side of the Digital Divide
Digital financial exclusion represents both a development challenge for poor customers, and a missed opportunity for providers, says MicroSave founder Graham Wright. While providers fight for a share of the most profitable and easiest-to-reach markets, they often overlook the vast commercial potential of lower-income communities – in territory that is largely not competed. Wright explores how to tap into this "fiercely loyal" market.
- Categories
- Finance, Technology
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European Microfinance Week 2017: Revealing New Frontiers in Inclusive Finance – Nov. 29-Dec. 1
European Microfinance Week (EMW), Nov. 29-Dec. 1, 2017, and hosted by e-MFP, is one of the top events in the microfinance calendar and a unique meeting point for all professionals working in the inclusive finance sector worldwide. With an unparalleled program and prestigious speakers, the event is widely recognised for its high-quality sessions and excellent networking opportunities. Last year's event attracted close to 500 participants from 58 countries.
- Categories
- Finance, Social Enterprise
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On ‘World Food Day’: Using Fintech to Support Smallholder Farmers and Feed the World
More smallholder farmers are using digital tools to access funds to improve their farms. But with a whopping US $200 billion gap in financing, many cannot access the financing they need to invest in things like seeds, fertilizers and irrigation technologies to increase production and improve their livelihoods. Mikael L. Clason Höök and Malia Bachesta of the RAF Learning Lab highlight several innovative fintech companies that are addressing barriers faced by smallholder farmers.
- Categories
- Agriculture, Finance, Technology
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Can Next-Generation Startups Unite Agritech and Fintech for Farmers in Emerging Markets?
An amalgamation of agritech and fintech solutions could have an incredible impact for the masses, especially populations that work within the agriculture chain. But making these apps and other digital solutions more user-friendly is critical to expanding their usage. Developers may need to borrow the best toolsets from both sectors, writes Sneha Sampath with Unitus Seed Fund.
- Categories
- Agriculture, Finance, Technology
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Why Alternative Lending Struggles to Scale in Emerging Markets – And What Fintech Companies Can Do About It
Fintech models have proliferated in most developing countries, but alternative lending has struggled to gain scale. That's why FIBR, a project by consulting firm BFA in partnership with The MasterCard Foundation, is bringing together fintechs and banks to use networks of small businesses – shops, clinics and even local schools – to deliver digital financial services to low-income customers.
- Categories
- Finance, Technology
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Machine Learning Meets Credit Scoring: How it Can Help Reduce Loan Delinquency Costs
Investment in predictive algorithms for credit scoring is a no-brainer for sophisticated digital financial service providers. Brick-and-mortar financial institutions that are just beginning to explore technology applications should follow suit, according to BFA, because credit scoring optimizes three business layers that improve the overall bottom line.
- Categories
- Finance
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Why Low-Income Families Don’t Send Their Children to College. Hint: It’s Not Always About Money.
Household income is not the only limiting factor as to why children of low to upper-low income families do not attend or save for university. Significant behavioral reasons are also involved, and ESCALA, which helps families save for higher education, worked with BFA’s customer insights team to identify and develop a plan to help overcome a few of them.
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