Research

The UNCDF Migrant Money team generates substantial market intelligence through its work. On one side, this work aims to link and overlay supply-side and demand-side analysis for a complete picture of the impact that informs inclusive innovation opportunities by the private sector. On the other, the research allows policymakers and regulators to identify gaps and implement reforms to existing regulations and payment and financial markets infrastructures that promote digital penetration and usage among the users of remittance services.

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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…

Reference Guides

A Policymaker’s Guide to Enabling Low-Value Remittances in Cross-border Payment Systems

This Handbook highlights how policymakers, in their role as either implementers or enablers, can play a pivotal role in improving cross-border payments and remittances. It is designed to provide general…

Exploratory Papers

The Proxy Addressing System Service (PASS): Simplifying Cross-Border Payments with Interoperable Alias

The United Nations Capital Development Fund (UNCDF) has proposed the Proxy Addressing System Service (PASS) as a key innovation to simplify cross-border payments. PASS utilizes an interoperable alias resolution service…

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…