Insights

To facilitate periodic reflections from our implementation and engagement experience, we present learning and observations to allow greater insights into the scope and impact of results. These insights are meant to promote cooperation among various stakeholders to improve efficiency in remittance markets, including strengthening the trust of migrants in digital solutions.

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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…

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

A Benchmarking Tool to Compare, Find, and Share Remittance Reporting and Analysis Systems

This article highlights the importance of collecting and generating insights from regular, detailed, and disaggregated remittance data as a vital means for economies to develop policies that support increased remittance…

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

Innovations to Improve Financial Inclusion of Migrant Women and Their Families: Lessons Learned from the Private Sector

Although women make up half of the world’s 281 million migrants and international remittance recipients, there is a distinct gender disparity between who accesses and uses digital remittances and other…

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

Expanding Access to Credit in Developing Countries: A Case Study of a Digital Migrant-Backed Loan by SympliFi

Remittance flows to Sub-Saharan Africa reached US$50 billion in 2021. Most remittances are costly to send, cashed out, and are spent on everyday consumer needs. How can we ensure that…

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…