Our publications library offers a variety of insights such as briefs, white papers, and reports. Informed by our suite of services (e.g., Financial Diaries, qualitative research, strategic advisory, et al.), our experts develop these insights with the purpose of advancing a particular area of thinking within the sector.

The growing “pull” of income generation through platforms

In this Briefing Note David Porteous, BFA Global Founder and Chair - picks up the storyline around the income-generative characteristics of superplatforms. This attribute is not exclusive to superplatforms but can apply to digital work platforms of all kinds. In the past two years since the launch of the...

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Revisiting superplatforms and their implications – FIBR briefing note

In the second FIBR White Paper, published in 2017,  Olga Morawcynzski and David Porteous made the bold claim that “superplatforms” were coming to financial markets in Africa and elsewhere, and that this would change the nature of financial inclusion. In … Continue reading →

FIBR AI Gallery

LENDABLE: Case Study of a Marketplace Lending Platform in East Africa

PAYGo Solar: Lighting the Way for Flexible Financing Services

Escaping Darkness: Understanding the Consumer Value in PAYGo Solar

The Sweet Spot: Designing Credit Solutions For Small Merchants

Financial Inclusion Framework Strengthening

BFA Global conducted an assessment on how the implementation of a digital national ID system in the Philippines can help accelerate access to finance in the country. The analysis explores the existing state of financial inclusion in the Philippines, determines … Continue reading →

R²A CASE STUDY: CHATBOT PROTOTYPE

R²A CASE STUDY: AML DATA INFRASTRUCTURE PROTOTYPE

R²A CASE STUDY: API AND VISUALIZATION APPLICATION PROTOTYPE

GOING BEYOND REGULATORY SANDBOXES TO ENABLE FINTECH INNOVATION IN EMERGING MARKETS

THE STATE OF REGTECH: THE RISING DEMAND FOR “SUPERPOWERS”

THE REGTECH FOR REGULATORS (R²A) PROCESS: GIVING FINANCIAL AUTHORITIES SUPERPOWERS

FINANCIAL AUTHORITIES IN THE ERA OF DATA ABUNDANCE: REGTECH FOR REGULATORS AND SUPTECH SOLUTIONS

FinnSalud One-pager (English & Spanish)

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Competition & DFS Working Papers

1. Modularization of DFS and Competition Issues Digital financial services (DFS) have been modularized through the rise of digital e-commerce superplatforms and the ascent of fintech firms, and this modularization leads to specific competition issues and regulatory distortions. This working … Continue reading →

The suptech generations

Financial authorities’ use of technology has evolved over the years, leading to different generations of technology that culminate in what the paper considers as suptech. Suptech refers to the application of big data or artificial intelligence (AI) to tools used … Continue reading →

Accelerating Early-stage Inclusive Fintech Startups In Emerging Markets

The goal for every startup – fintech or otherwise – is securing funding for growth. Yet most fintech startups launch with an abundance of ideas and optimism, but without the capital to test and scale their products. So their journey … Continue reading →

The Potential of PAYGo for Achieving Water and Sanitation for All (SDG 6)

To “ensure availability and sustainable management of water and sanitation for all (SDG 6),” water service providers need to innovate and adapt successful service models from other sectors. Launched on World Water Day, March 22, FIBR’s PAYGo Water Brief explores how digital … Continue reading →

Digital Commerce and Youth Employment in Africa

Digital commerce, or e-commerce, is impacting employment opportunities in Africa by reshaping the nature of work through gig platforms, direct employment with large platforms, and by reducing barriers to entry and scale for small enterprises. There is a substantial group … Continue reading →