Resources by Julie Kamau

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…

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…

Articles and Case Studies

Customizing digital remittances for blue-collar migrant workers in the UAE: Harnessing the power of customer archetypes

This second article on UNCDF's partnership with RAKBANK and Edenred focuses on demand-side research findings that draw on 355 phone surveys and 11 qualitative interviews with blue-collar migrant workers in…

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

Accelerating the adoption of mobile wallets for remittances in Senegal: Insights from Wizall Money

In the second article on Wizall Money from Senegal, we present insights from demand-side research, based on surveys conducted among 3,000 remittance senders and recipients, including 100 qualitative interviews. Part…

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 Gender-Smart and Migrant-Centric Digital Remittances

Adopting a migrant-centric and gender-smart approach is about taking a long-term view of the context in which the remittance business operates and understanding how deliberate and upfront investments in reaching…