Resources by Houle Cao

Articles and Case Studies

Expanding and Digitizing IME Pay’s Women and Migrant Customer Base in Nepal: Consumer Archetypes, Research Findings, and Pilot Projects

UNCDF’s second research insights article on IME Pay delves deep into the access to and usage of remittances in Nepal, exploring how remittances contribute to recipients’ improved financial inclusion and…

Articles and Case Studies

Uncovering Customer Needs to Improve Remittance Access, Usage and Financial Resilience in Bangladesh: Insights from BRAC Bank

Drawing upon UNCDF’s first article on BRAC Bank where research insights were drawn from the analysis of 4.2 million transaction records over the last 5 years, this second article links…

Articles and Case Studies

Shifting From Cash to Digital Remittances During the Pandemic: A Case Study of BRAC Bank in Bangladesh

UNCDF is providing technical assistance to help BRAC Bank better understand its customer data, act strategically on emerging insights, and ensure that innovation remains inclusive and migrant-centred. The research partnership…

Articles and Case Studies

Integrating Remittance and Mobile Wallet Services: A Case Study of IME Pay in Nepal

IME Pay is Nepal’s top remittance company, and in 2017, with technical assistance from UNCDF, it developed a digital mobile wallet for domestic users to send and receive money. It…

Articles and Case Studies

How Do Digital Remittances Contribute to Women’s Financial Health?

Results from a UNCDF survey make clear the need for more gender-smart and migrant-centric remittance products

Articles and Case Studies

Migrant Remittances in the Times of Covid-19: Insights From Remittance Service Providers

Before the COVID-19 pandemic struck, many migrants were already part of marginalized and vulnerable groups experiencing economic hardships in their countries of origin and host communities. Lockdowns and business closures…