Resources

Exploratory Papers

Portable Digital Identification as an Enabler to International Remittances

It is estimated that around 850 million people globally lack a form of official identification, something that is required to comply with financial regulations at the point of onboarding to…

Reference Guides

A Policymaker’s Guide to Enabling Low-Value Remittances in Cross-border Payment Systems

This Handbook highlights how policymakers, in their role as either implementers or enablers, can play a pivotal role in improving cross-border payments and remittances. It is designed to provide general…

Exploratory Papers

The Proxy Addressing System Service (PASS): Simplifying Cross-Border Payments with Interoperable Alias

The United Nations Capital Development Fund (UNCDF) has proposed the Proxy Addressing System Service (PASS) as a key innovation to simplify cross-border payments. PASS utilizes an interoperable alias resolution service…

Flagship Reports

Bridging the Digital Divide: Gender Insights on Remittance Access, Usage, and Financial Health

This gender synthesis report investigates migrant and family experiences with international remittance services, emphasizing digital channels and their impact on underserved populations, particularly women, across Africa and Asia. The findings…

Migrant Money Notes

Informal Remittance Flow Estimation

UNCDF’s objective in working in the area of informal remittances is to (i) better understand the evolving literature and propose methodologies and/or tools that the central banks can apply; (ii)…

Reference Guides

Survey Strategy and Questionnaire on Estimating Informal Remittances

Most countries have good data on remittances sent/received through intermediaries licensed and regulated by national authorities, such as central banks. However, data collection on informal remittances, particularly in LDCs, is…

Articles and Case Studies

Remittances and Financial Inclusion: Understanding the needs of migrants residing in South Korea

UNCDF’s second article on SentBe draws insights from the demand-side research conducted with SentBe’s migrant customers from Bangladesh and the Philippines, highlighting the heterogeneity of financial behaviours, including remittance patterns,…

Articles and Case Studies

Key Drivers to the Access of Digital Remittances: A Case Study of TerraPay Remittance Flows to Sub-Saharan Africa

UNCDF partnered with TerraPay, a global cross-border payment network, to study the growth of digital remittance channels in Sub-Saharan Africa in the IGAD, ECCAS, and ECOWAS regions. This article presents…

Migrant Money Notes

Improving AML/CFT Regulatory Frameworks to Increase Remittance Flows in the IGAD Region

This brief note is intended to be used by regulators and public authorities to improve policies, regulatory frameworks, and market and collaboration practices to enhance the flow of remittances in…