Our publications library offers a variety of insights such as briefs, white papers, and reports. Informed by our suite of services (e.g., Financial Diaries, qualitative research, strategic advisory, et al.), our experts develop these insights with the purpose of advancing a particular area of thinking within the sector.

R2A white paper

Related posts: THE REGTECH FOR REGULATORS (R²A) PROCESS: GIVING FINANCIAL AUTHORITIES SUPERPOWERS

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The growing “pull” of income generation through platforms

In this Briefing Note David Porteous, BFA Global Founder and Chair – picks up the storyline around the income-generative characteristics of superplatforms. This attribute is not exclusive to superplatforms but can apply to digital work platforms of all kinds. In … Continue reading →

Revisiting superplatforms and their implications – FIBR briefing note

In the second FIBR White Paper, published in 2017,  Olga Morawcynzski and David Porteous made the bold claim that “superplatforms” were coming to financial markets in Africa and elsewhere, and that this would change the nature of financial inclusion. In … Continue reading →

Financial Inclusion Framework Strengthening

BFA Global conducted an assessment on how the implementation of a digital national ID system in the Philippines can help accelerate access to finance in the country. The analysis explores the existing state of financial inclusion in the Philippines, determines … Continue reading →

R²A CASE STUDY: CHATBOT PROTOTYPE

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R²A CASE STUDY: AML DATA INFRASTRUCTURE PROTOTYPE

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R²A CASE STUDY: API AND VISUALIZATION APPLICATION PROTOTYPE

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GOING BEYOND REGULATORY SANDBOXES TO ENABLE FINTECH INNOVATION IN EMERGING MARKETS

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THE STATE OF REGTECH: THE RISING DEMAND FOR “SUPERPOWERS”

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THE REGTECH FOR REGULATORS (R²A) PROCESS: GIVING FINANCIAL AUTHORITIES SUPERPOWERS

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Competition & DFS Working Papers

1. Modularization of DFS and Competition Issues Digital financial services (DFS) have been modularized through the rise of digital e-commerce superplatforms and the ascent of fintech firms, and this modularization leads to specific competition issues and regulatory distortions. This working … Continue reading →

The suptech generations

Financial authorities’ use of technology has evolved over the years, leading to different generations of technology that culminate in what the paper considers as suptech. Suptech refers to the application of big data or artificial intelligence (AI) to tools used … Continue reading →

Accelerating Early-stage Inclusive Fintech Startups In Emerging Markets

The goal for every startup – fintech or otherwise – is securing funding for growth. Yet most fintech startups launch with an abundance of ideas and optimism, but without the capital to test and scale their products. So their journey … Continue reading →

The Potential of PAYGo for Achieving Water and Sanitation for All (SDG 6)

To “ensure availability and sustainable management of water and sanitation for all (SDG 6),” water service providers need to innovate and adapt successful service models from other sectors. Launched on World Water Day, March 22, FIBR’s PAYGo Water Brief explores how digital … Continue reading →

Digital Commerce and Youth Employment in Africa

Digital commerce, or e-commerce, is impacting employment opportunities in Africa by reshaping the nature of work through gig platforms, direct employment with large platforms, and by reducing barriers to entry and scale for small enterprises. There is a substantial group … Continue reading →

Artificial Intelligence: Practical Superpowers

With knowledge comes power. Artificial intelligence (AI) is a powerful way to harness data into knowledge and into action.  For financial services providers in Africa, the real value of AI and its forms, such as machine learning, lies in practical … Continue reading →

From Last Mile to First Touch: The Changing Role of Aggregators in Digital Finance Ecosystems

New models of aggregation are rapidly emerging within digital ecosystems that can connect both consumers and workers to a wider choice of financial services than ever before. These models hold great promise for improving their customers’ financial health. However, the … Continue reading →

Financial Authorities In The Era Of Data Abundance

Financial service providers are quickly adopting regulatory technology (RegTech) to ease the burden of compliance. This white paper shows how authorities can use RegTech for regulators (RegTech²) to improve their own approaches. With the support of the Bill & Melinda … Continue reading →

Six Steps to an Intelligent AI Strategy: The AI Readiness Toolkit

Assess Your AI Readiness in Six Stages Are you a startup seeking to prepare yourself for artificial intelligence (AI), but don’t yet have a concrete strategy in place? Perhaps you are a well-established data-centric organization that wants to assess return … Continue reading →

Tracking Churn to get to Profitability

Sokowatch’s experience integrating a retention dashboard A small shop customer in Kenya AtCatalyst Fund, we have helped 20 inclusive fintech startups move from idea to prototype, to the product, to profitability. It may surprise some to learn that the indicator we watch … Continue reading →

The Sweet Spot: Designing Credit Solutions For Small Merchants

The FIBR project, with the support of Mastercard Foundation, sought to digitize small businesses and use the resulting data to help tech companies partner with financial institutions. Through these partnerships, they aimed to expand access to credit, savings, and loans … Continue reading →