Resources by Alejandro Gonzalez-Caro

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

Financial Inclusion of Blue-collar Migrants in the UAE: The Case of RAKBANK and Edenred

UNCDF’s collaboration with RAKBANK and Edenred aims to improve access and usage of the digital remittance channel through C3Pay—Edenred’s solution that enables migrants to receive their wages digitally. UNCDF technical…

Articles and Case Studies

Access to and Usage of Digital Remittances: A Case Study of SentBe

SentBe is one of the country’s fastest-growing fintech companies and was one of the first Samsung Pay partners. Founded in 2015 and currently serving more than 50 countries, the company…

Migrant Money Notes

Designing digital remittances for migrant domestic workers Pt.2

The low uptake of digital remittances, particularly among women migrants, could be linked to the growing disconnect between the products available to migrants and their real needs and behaviours as…

Migrant Money Notes

Designing digital remittances for migrant domestic workers Pt.1

The customer archetypes highlight mostly the customer needs and behaviours regarding the choice and adherence to remittances and financial services. Once they have been identified, RSPs can leverage customer archetypes…