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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Migrant Money Notes

Migrant Money Notes

Informal Remittance Flow Estimation

UNCDF’s objective in working in the area of informal remittances is to (i) better understand the evolving literature and propose methodologies and/or tools that the central banks can apply; (ii)…

Migrant Money Notes

Improving AML/CFT Regulatory Frameworks to Increase Remittance Flows in the IGAD Region

This brief note is intended to be used by regulators and public authorities to improve policies, regulatory frameworks, and market and collaboration practices to enhance the flow of remittances in…

Migrant Money Notes

Approaches to Evaluating and Estimating Informal Remittance Flows in Developing Economies

Remittances are emerging as one of the largest sources of external finance for many least developing countries, yet their exact size often remains unknown to policymakers and the private sector…

Migrant Money Notes

The Case for Digital Wages, Insurance, and Pensions for Migrant Financial Resilience

UNCDF aims to contribute towards the financial resilience of migrants and their families by facilitating the design and development of migrant-centric, gender-responsive, scalable, and commercially viable digital wage, insurance, and…

Migrant Money Notes

Where Are We in Preparing the Building Blocks for Migrant Financial Resilience?

The existing building blocks of migrant financial resilience are a combination of international conventions, regional and bilateral agreements, unilateral government initiatives, and private sector initiatives to provide insurance and pension…

Migrant Money Notes

Scaling the Next Frontiers in Migrant Insurance and Pensions

Insurance and pension play a pivotal role in ensuring financial resilience of migrants and their families. The need for such services has also become accentuated in the post-COVID-19 scenario. Although…

Migrant Money Notes

The Future of Migrant Insurance and Pension

In this paper, reflecting the collective perspective of global stakeholders, UNCDF explores the possibilities of leveraging the potential of migrant insurance and pensions that can contribute to their comprehensive financial…

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…

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…