Aplicaciones de las TIC

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Credit to Merchants: Tienda Pago's Digital Solution for Fast-Moving Consumer Goods Case Study 2019

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Este recurso aparece en: Aplicaciones de las TIC

This case study aims to extrapolate some preliminary lessons from Tienda Pago’s model, including its challenges and potential for scale. The study is informed by distributor and customer interviews and qualitative research, which sought to map characteristics of merchant clients and analyze both drivers and barriers to product usage and uptake.

Autor Martha Casanova
Editor International Finance Corporation (IFC)
Número de Páginas 32 pages
Idioma Principal Inglés (en)
Región / País Global
Palabras clave digital financial services, Inclusión Financiera
Recursos Relacionados
Emerging Opportunities for the Application of Blockchain in the Agri-food Industry Paper 2018

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Este recurso aparece en: Aplicaciones de las TIC

Distributed ledger technologies (DLTs) have the potential to transform the global food system by introducing important efficiency gains along value chains, and improving trust, transparency and traceability. While large actors are likely to make fast and significant inroads in exploiting DLTs, small farmers and processors also stand to reap significant benefits, provided the technology is made accessible to them. This raises the question of how an enabling environment can be created for smallholders to harness these new technologies, and, at a broader scale, for DLTs, so that these contribute to improving the functioning of global food and agricultural markets.

This paper, by Mischa Tripoli and Josef Schmidhuber, seeks to make an initial contribution to the emerging public debate on this issue by providing an overview of DLTs and their application in food and agriculture, examining public policy implications for food security and rural development and identifying some potential challenges, risks and the way forward.

Autor Mischa Tripoli Josef Schmidhuber
Editor Food and Agriculture Organization of the United Nations and International Centre for Trade and Sustainable Development (ICTSD)
Número de Páginas 40 pp.
Idioma Principal Inglés (en)
Región / País Global
Palabras clave Distributed ledger technologies
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Consumer Protection in Digital Credit Paper 2017 Inglés (en)

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Este recurso aparece en: Aplicaciones de las TIC

Digitally delivered credit is quickly expanding in emerging markets. “Digital credit” refers to credit products—including digital payments products such as mobile money—that are delivered fully via digital channels, such as mobile phones and the internet. These business models are driven by strong customer demand, lower operating costs, and the greater reach of the instant, automated, and remote lending methodology. The convenience and speed of digital credit are well matched to urgent and unanticipated needs, such as a late-night emergency visit to the hospital or working capital for the quick-turnover, high-margin economic activities common for microenterprises. Yet the very attributes of digital credit—instant, automated, and remote— create consumer protection risks that are distinct from those of more traditional consumer and microenterprise credit models. This paper explores new approaches to address risks and problems in five areas:

  • Disclosure of loan terms and conditions;
  • Marketing approaches to promote responsible borrowing;
  • Appropriate and tailored products to meet the needs of specific consumer segments;
  • Repayment and collections;
  • Credit reporting and information sharing.
Consumer Protection in Digital Credit  -  Inglés (en)

Autor Mazer, R. and McKee, K.
Editor CGAP
Washington, D.C.
Número de Páginas 24 pp.
Idioma Principal Inglés (en)
Región / País Global
Palabras clave digital finance, Banca Móvil, Acceso A La Financiación
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Digital Financial Services in Rwanda: Leveraging technology for maximum use of financial services Technical Note 2017

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Este recurso aparece en: Aplicaciones de las TIC

This dedicated FinScope Insight Note is aimed at highlighting the results of the ecosystem and usage of digital financial services in Rwanda. The FinScope Survey not only enabled the assessment of the landscape of financial access in Rwanda, but also provided a benchmark for repeat surveys that will enable the impact of access related policy interventions to be assessed. The survey was comprehensive in highlighting the prevalence and use of digital financial services (DFS).

Autor FinScope
Editor FinScope
Número de Páginas 36 pp.
Idioma Principal Inglés (en)
Región / País Africa
Rwanda
Palabras clave digital finance, Servicios Financieros
Recursos Relacionados
Impact of Agricultural Value Chains on Digital Liquidity Document 2016

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Este recurso aparece en: Aplicaciones de las TIC

This report looks at agricultural value chains and whether they are a potential vehicle for increasing digital liquidity:

  • How much of the population do they reach?
  • How important are agriculture payments to the lives of the poor?
  • Would value chain eMoney tend to stay in electronic form?
Autor Jackson, T. H., Weinberg, A.
Editor International Telecommunication Union (ITU)
Número de Páginas 28 pp.
Idioma Principal Inglés (en)
Región / País Global
Palabras clave Agricultura, digital finance, Ict For Development, Tic
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