Resources by Sara Puebla

Articles and Case Studies

Central Bank-led Digital ID to drive Cross-border Payments and Financial Inclusion

Identification is the cornerstone of financial services, as all financial service providers must verify their customers’ identity under ‘know-your-customer’ (KYC) rules. These guidelines require individuals to present official identification documents…

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…