We are celebrating the fourth anniversary of the Financial Inclusion Through INteroperability Initiative (FIT IN Initiative) in November 2024! What better way to mark this occasion than by highlighting the latest research outputs from the initiative, designed to advance digital financial services in low- and middle-income countries.
This collaborative project, which involved many TSE researchers and external contributors, has resulted in an overview document presenting the main research insights from the Initiative as well as the resulting key policy recommendations.
#Main research insights and policy recommendations
How can interoperability drive investment and competition in digital payments? Milo Bianchi (TSE) & Seth Garz (Bill & Melinda Gates Foundation)
Drawing on both empirical and theoretical academic research in Economics, this brief highlights key insights for practitioners as they seek to build IIPS. Many of these insights are counterintuitive to the conventional wisdom among advocates, rendering them all the more important.
How can data sharing help improve access to credit? Matthieu Bouvard (TSE) & Seth Garz (Bill & Melinda Gates Foundation)
This brief offers an up-to-date review of the emerging academic literature on the economics of data sharing and access to credit to provide practical intuition and a common vocabulary for decision-makers engaged in designing new data use technologies and data sharing regulations.
How do instant interoperable payment systems transform modern economies? Hakan Özyilmaz (Former Postdoctoral Fellow TSE), in collaboration with Hussam Razi (IPA)
This brief sheds light on how IIPSs can overcome current digital payment limitations and boost economic outcomes for consumers and businesses, drawing on recent evidence and insights from economic research on digital infrastructure.
See also the research outputs that served as the foundation for these conclusions:
News published in TSE Reflect, November 2024 | Photo: Adobe Stock, Aikrir
