Leveraging the Inclusive Innovation Framework to increase formal remittances to Nepal

Building on the Migrant Money experience over the last few years, UNCDF and Haskè Conseil have developed a migrant-centric and gender-responsive framework to guide the inclusive innovation strategies of Remittance Service Providers (RSPs). The framework provides a template for assessing the remittance ecosystem and value-chain in a particular country; a ‘how to’ guide to inclusive […]

Access to and usage of digital remittances: A case study of SentBe

Authors: Alejandro Gonzalez-Caro, Marup Hossain and Julie Kamau. Key highlights Outbound remittances from the Republic of Korea grew rapidly in the last decade. To support the digital financial inclusion of migrants and their families, UNCDF has partnered with SentBe, one of the first Samsung Pay partners and the country’s fastest-growing digital remittance companies. The SentBe […]

Envois de fonds : passage des espèces au numérique, enseignements d’une étude sur Wizall Money au Sénégal – Première partie

Auteurs : Sarah Lober, Mamadou Diallo et Mahamadou Illboudo Points saillants  Le Sénégal est l’un des principaux pays africains bénéficiaires des envois de fonds, et son marché des services dans ce domaine est arrivé à maturité pour l’innovation numérique. Wizall Money est l’un des rares prestataires au Sénégal à proposer des retraits de Mobile Money […]

Financial Inclusion of Blue-collar Men and Women Migrants in the UAE: Opportunities and Challenges—The Case of RAKBANK and Edenred

Authors: Mercy Wachira, Julie Kamau and Alejandro Gonzalez-Caro Key highlights Eighty-eight percent of the United Arab Emirates (UAE) population constitutes migrants, accounting for billions of dollars in outward remittances. Close to 60 percent of these migrants constitute low-income, or blue-collar, workers, earning less than the minimum requirement to open a UAE bank account. COVID-19 restrictions […]

Insurance and Pensions: Charting the Path for Migrant Financial Resilience

Authors: Premasis Mukherjee, William Price Introduction Approximately four percent of the global population, nearly half of whom are women, live and work outside their countries of origin. Remittances from these migrants represent a vital source of savings and supplementary income for millions of households in low- and middle-income countries. They are also pivotal for the […]

Gender-smart product design: using customer archetypes to design digital remittances for women migrant domestic workers – PART 2

Authors: Julie Kamau, Uloma Ogba, Alejandro Gonzalez-Caro Click here for part 1 PART 2 – Leveraging customer archetypes to shape the value proposition of digital remittances for women foreign domestic workers ​ When working with remittance service providers (RSPs) to design gender-smart and migrant-centric digital remittances, UNCDF starts by supporting the RSP to better understand […]


This guide aims to provide central banks and financial regulators, especially those in environments with limited financial and human resources, a path and tools to explore and define the following: use cases and insights most supportive to their needs, most appropriate to their market/economy and most achievable in their operating environment available resources scope of the reporting […]


By Uloma Ogba, Julie Kamau and Dr. Saskia Vossenberg In this working paper, we explore why and how migrant-centric and gender-smart approaches may be the key to designing digital remittances that migrants want and need. A migrant-centric and gender-smart approach to the design of digital remittances is one that places the migrant customer at the […]


This guide is designed to help regional economic secretariats, policymakers, regulators and development partners with assessments of the existing remittance-related policy and regulatory frameworks. It is intended to help identify the policy and regulatory enablers and inhibitors of men and women’s access to, and their usage of, remittances through formal channels, particularly through affordable digital […]