International Remittance Hubs: Interoperability Evolving

Most countries are fumbling to find the proper footing, momentum or buy-in to coordinate a national campaign for country-wide interoperability. As of May 2017, only 15 countries have achieved account-to-account interoperability. Kenya, never one to
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Sesame Credit: Back Door To A Dystopian Future?

Although it has been around for a few years, in the past few months Alibaba's Sesame Credit has been getting increased amounts of attention in Western media (both social and mainstream), particularly in the United
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Do Bank-Led Models Stall Progress?

Although the dichotomy of bank-led and mobile network operator-led (henceforth referred to as MNO-led) mobile money regulatory approaches is not a perfect representation of reality, it is a useful framework to create broad groupings for
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Chilly Winds Of Change For Banks?

Even before the election of President Donald Trump foretold the passing of a tax reform act that would slash corporate tax rates in the U.S., America's big banks had already emerged from the depths
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Inclusive Insurance: Bought, Not Sold

"There are things in life worse than death. Have you ever spent an evening with an insurance salesman?" Woody Allen In his foreword, Denis Duverne, Chairman of the Board of Directors at AXA, poked fun
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Zimbabwe's Cash Crunch: Boom Time for MNOs

When historians assess the legacy of Zimbabwe's recently ousted president, Robert Mugabe, they will have plenty of material to put in the "negatives" column to balance against his leadership of the country's national liberation struggle
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Crowdfunding: MSMEs' Golden Ticket?

Those invested in the plight of Micro, Small and Middle Enterprises (MSMEs), especially ones settled in emerging markets, are quick to bemoan the credit gap. A 2017 assessment by the International Finance Corporation (IFC) pegged
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Is Fintech Challenging the Payday Loan Industry?

If there is a sub-section of the finance industry that is less well-loved than Wall Street banks, it is almost certainly payday lenders. To some, these providers of short-term high-interest loans are little better than
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