Children in a classroom in Gondar in the Amhara Region. Ethiopia has signed a deal to register 5 million school children using blockchain.
Photo by DeAgostini/Getty Images
It's time to shift focus away from bitcoin and to pay more attention to other blockchain projects promising to make real contributions to the world.
Banks must innovate to include financially vulnerable people.
Banks can deploy artificial intelligence to create an understanding of current and prospective consumers and develop products that meet their needs.
Ghana is in the throes of a mobile money boom.
An attempt to prevent fraud in Ghana's burgeoning mobile money sector could be a setback for access to financial services.
Financial inclusion in Nigeria must target smallholder farmers.
Sustainable financial inclusion in Nigeria requires interventions that strengthen financial capability, participation and well-being of small-scale farmers.
A closed mobile money kiosk in Harare. Up to 50,000 small agents are affected countrywide.
Tampiwa Mahari/Great Gatsby Photography
Stringent restrictions could stifle innovation among mobile money operators and hinder access to financial services.
Photo by Frédéric Soltan/Corbis via Getty Images
More financial services should target low-income households in South Africa.
Women smallholder farmers contribute significantly to the Nigerian economy.
Nigeria needs to adopt gender specific strategies to financially include women smallholders in agriculture.
Taking a loan has never been easier thanks to the proliferation of mobile lending platforms.
Rosenfeld Media/Wikimedia Commons
Mobile loan platforms have given Kenyans access to easy loans, but they come at a high price.
High street pawnbrokers are closing, which means less options for financial help.
Tony Baggett/ Shutterstock
The closure of high street pawnbrokers like Albermarle and Bond might leave many without financial help.
About nine out of ten Somalis above the age of 16 own a phone.
Mobile money transfers have become the norm in Somalia. Transactions total as much as $2.7bn a month.
Young people in Africa are getting addicted to online betting through their mobile phones.
Mobile money transfers have been a great asset. But the rise of online betting could threaten its contribution.
Make sure you’re a good citizen.
Plans for China to rate its citizens for their trustworthiness have been depicted as uniquely Chinese. Don't be so sure.
A Grameen Bank meeting in Bangladesh.
Grameen Bank has potential to increase financial inclusion in Australia but regulation is holding it back.
Banking in a highly financialised society like Britain could be seen as akin to a fundamental human right.
Financial inclusion has been touted as one of the solutions to addressing poverty in South Africa.
Entities at the centre of the storm engulfing South Africa's social grants distribution system have claimed to be champions of financial inclusion. The claim in itself is scandalous.
Social grant recipients waiting in Gugulethu, Cape Town. A battle over social grant payment tender threatens the system.
The South African Social Security Agency has created a crisis that threatens to deliver social grant recipients on a silver platter into the hands of unscrupulous financial services companies.
Women navigate a financial world that is awash in credit.
Photo by Caroline Schuster (2010)
The global push for financial inclusion could end up with unintended consequences.
Retailers offer ‘rewards’ programs and loyalty cards that can trap customers into a debt cycle.
In the global South, where some argue that "everyone is now middle class", people are reluctant to acknowledge that they need to borrow money – and the stigma drives them to dodge their debts.
A Kenyan woman does a financial transaction using her mobile phone.
Financial inclusion has so far focused on enhancing a poor person’s cash flow. But it needs to involve more. Not enough consideration is given to encouraging poor people to build assets.
Women in many developing countries find it difficult to open a bank account.
If women in developing countries are to enjoy the benefits of access to banking, it's time for a rethink on how they are assessed for risk.