CGAP

financial inclusion technology and business model innovation cgap mobile money digital finance digital finance for funders microfinance financial services retail payments merchant payments digital credit credit india clients digital financial services p2g design apps rwanda poverty senegal donors and investors tanzania digital smartphone user experience ux interoperability open apis apis mexico ui/ux smartphones cgap training toolkit customers segmentation customer centricity credit scoring star ratings e-commerce côte d’ivoire financiers numériques cacao smallholder farmers agriculture cocoa côte d'ivoire digital finance plus education optimization español ghana extreme poverty graduation alexandra fiorillo katharine mckee financial institutions banks emerging markets microinsurance consumer protection policy rafe mazer behavioral economics behavioral bias consumer protection behavioral research mobile money corridor voice corridors literacy pakistan illiteracy french cote divoire product design mobile