Financial Inclusion

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In this Image A surveyor works with a study participant during an IPA study in Paraguay. © 2018 IPA Paraguay

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Research Findings

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M-PESA agent in Kibera, Nairobi, Kenya. Picture credit: Fiona Graham / WorldRemit

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The Long-Run Poverty and Gender Impacts of Mobile Money

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Researchers worked with IPA to study the impacts of the expansion of a mobile money agent network in Kenya over a period of six years. This study estimates that access to the mobile money system lifted 194,000 households, or 2% of Kenyan households, out of poverty. The impacts were more pronounced for female-headed households.

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Innovations for Poverty Action logo in white and green on black background, without word-mark

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Asset-based Microfinance for Microenterprises: Evidence from Pakistan

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Borrowers were given the opportunity to finance a business asset worth four times their previous borrowing limit using a hire-purchase contract. Access to the asset-based loan resulted in larger businesses, higher business profits, and increases in household consumption, particularly on food and children’s education.

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A person in the Philippines holds a cell phone in their hand. © 2015 David Batcheck

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Getting to the Top of the Mind: How Reminders Increase Savings

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Digital technologies enable new financial products to reach historically unbanked populations, increasing financial access but also raising questions as to their broader social and economic impact. In Nigeria, researchers are working with a digital financial service provider who provided loans to applicants to assess how access to digital loans impacts the welfare of borrowers.

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Related Content

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Consumer Protection Research Initiative

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Using data to monitor markets and test scalable solutions to financial consumer protection issues

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Digital Payments

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Improving the design, delivery, and impact of digital payment solutions

 

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Transaction Cost Index

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A multi-country index measuring mobile money and bank account transaction costs in emerging markets

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Interoperable Payment Systems

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Measuring the impact of pro-poor interoperable payments systems

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Women’s Economic Empowerment

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Improving economic outcomes for women through increased financial inclusion and financial decision-making power

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Savings

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Improving savings outcomes through better product design and lessons from behavioral economics

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Credit

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Enhancing the impacts of microcredit on individual, household, and business outcomes

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Our Team

Our Team

Director

Paul Adams

Paul Adams directs both IPA's Consumer Protection Research Initiative and IPA's Financial Inclusion Program.

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Senior Research Manager

William Blackmon

William serves as Senior Research Manager for IPA's Financial Inclusion Program. He previously worked in IPA's Kenya office as a Research Coordinator where he managed studies focused on education and employment.

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Senior Program Associate, Financial Inclusion

Lauren Perlik

Lauren Perlik is a Senior Program Associate for IPA's Financial Inclusion Program. Prior to joining IPA, Lauren was a Content and Research Coordinator at Future Majority, where she focused on creating digital content to engage voters in the 2020 election cycle.

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Senior Program Manager, Financial Inclusion

Hussam Razi

Hussam is part of the Financial Inclusion Program at IPA and has a key focus of understanding the impact of interoperable payment infrastructures.

Read Full Bio

Research Manager, Financial Inclusion

Arianna Zapanta

Ria Zapanta serves as a Research Manager for IPA’s Financial Inclusion Program. She previously worked at the World Bank in the Philippines as a Social Protection and Jobs Consultant where she delivered various research and analytical outputs in the areas of poverty and labor.

Read Full Bio

Director

Paul Adams

Paul Adams directs both IPA's Consumer Protection Research Initiative and IPA's Financial Inclusion Program.

Read Full Bio

Senior Research Manager

William Blackmon

William serves as Senior Research Manager for IPA's Financial Inclusion Program. He previously worked in IPA's Kenya office as a Research Coordinator where he managed studies focused on education and employment.

Read Full Bio

Senior Program Associate, Financial Inclusion

Lauren Perlik

Lauren Perlik is a Senior Program Associate for IPA's Financial Inclusion Program. Prior to joining IPA, Lauren was a Content and Research Coordinator at Future Majority, where she focused on creating digital content to engage voters in the 2020 election cycle.

Read Full Bio

Senior Program Manager, Financial Inclusion

Hussam Razi

Hussam is part of the Financial Inclusion Program at IPA and has a key focus of understanding the impact of interoperable payment infrastructures.

Read Full Bio

Research Manager, Financial Inclusion

Arianna Zapanta

Ria Zapanta serves as a Research Manager for IPA’s Financial Inclusion Program. She previously worked at the World Bank in the Philippines as a Social Protection and Jobs Consultant where she delivered various research and analytical outputs in the areas of poverty and labor.

Read Full Bio