Are Elections A Digital Litmus Test?

All governmental elections are a matrix: part theater, part palace intrigue, part instrument for change. Elections still serve much the same function that they have since democracy got its start in Classical Athens, but the
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Credit Bureaus: Resting On Their Laurels?

With the advent of alternative data, many lenders in emerging markets have side-stepped the barren vaults of Credit Bureaus and instead elected for third-party tech providers who have rigged up unorthodox data sources (utilities, telecom,
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Can Insurtech Learn Best Practices For Selling To The BOP?

One year ago, Mondato Insight examined the factors behind low-take up of insurance products for low income customers, and the challenge to the market to prove they can develop product offerings that customers truly value.
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Gamification: Jackpot Or Fool’s Gold?

Gamification is a trendy term in some circles, a magic wand of sorts that suddenly makes finance appealing to the average layman and does wonders to revenue and customer acquisition. A deeper look into the
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Argentina: The Worst Of Times

Anyone following the economic situation in Argentina is well-aware of its slow spiral. Since late 2015, the Argentine peso has lost 75 percent of its value compared to the US dollar (from about 10 pesos
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Mortgages: Different Stages Of Digitization

For many fintech entrants eager to capitalize on loan products, mortgages are the Moby-Dick of the lending sea. They are big, they are complicated and they are highly regulated. In North America, Europe and parts
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Access To Energy: A Good Return On Investment?

One of the ‘trendiest’ social impact investments historically targets off-grid energy products like solar lanterns, solar home systems and cookstoves. Aside from being a prerequisite for digital inclusion, access to electricity represents the first step
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Cashless Transportation: Kenya And Rwanda As Case Studies

By most measures, Kenya is a shining model of financial inclusion in Sub-Saharan Africa. As the home of the wildly successful M-Pesa mobile money service, Kenya saw 79 percent of all citizens above the age
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