Locations
Download verified research briefs, empirical evaluations, and policy synthesis papers from the Retail Finance Distribution (ReFinD) and African financial inclusion research initiatives.
How authentication, transparent fees and digital literacy shape customer satisfaction and trust.
What makes users feel their money is safe in digital financial services.
How consumer protection reduces fraud and risk in mobile money in Kenya, Indonesia and Burkina Faso.
The controls that protect mobile money transactions from fraud.
Whether growing agent networks keep agents profitable and in business.
Why more agents alone don't guarantee reliable service.
How devices, power and connectivity make service points easier to reach.
Whether helping agents keep enough cash and e-money increases customer use.
How commissions, fees and incentives affect reliability, service and trust.
Whether digital finance growth benefits women and underserved groups.
Whether regulator training and supervision lead to better regulation.
Which regulatory approaches draw investment into digital finance.
What keeps payment systems fast, stable and available.
How agent training improves service quality and customer trust.
