Consumer Protection https://poverty-action.org/ en Ugandan Mobile Money Customers Are Facing A Sudden Price Hike https://poverty-action.org/ugandan-mobile-money-customers-are-facing-sudden-price-hike <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Ugandan Mobile Money Customers Are Facing A Sudden Price Hike</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" about="/user/6" typeof="schema:Person" property="schema:name" datatype="" content="rnastiti@poverty-action.org">rnastiti@pover…</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Mon, 03/25/2024 - 13:13</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>A recent <a href="https://twitter.com/airtelmoneyug/status/1765048465745199449">hike in fees</a> for Airtel’s mobile money services in Uganda has caught many customers off guard. Price changes with limited accompanying notification to consumers, combined with minimal pricing disclosure by mobile money agents, as documented in IPA's <a href="https://poverty-action.org/publication/transaction-cost-index-year-1-comparative-report">Transaction Cost Index</a>, can lead to unwelcome surprises to consumers and a breakdown in trust between financial service providers and their customers. A brief check at several agents in Kampala shows that none of the posted price lists reflect the new changes, and none of the agents we spot-checked were aware of the change in prices. Ultimately, this quiet shift will cause uncertainty and displeasure among mobile money customers surprised by the sudden increase in fees.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en" xml:lang="en" xml:lang="en">We have revised the Airtel Money sending and withdraw charges. Dial *185# or use the MyAirtel App; <a href="https://t.co/CdmAlsRTPC">https://t.co/CdmAlsRTPC</a> to enjoy the most affordable rates today. <a href="https://t.co/oFXZ9I7Hfq">pic.twitter.com/oFXZ9I7Hfq</a></p> — Airtel Money Uganda (@airtelmoneyug) <a href="https://twitter.com/airtelmoneyug/status/1765048465745199449?ref_src=twsrc%5Etfw">March 5, 2024</a></blockquote> <blockquote class="twitter-tweet">The announcement on X garnered more than 200 comments.</blockquote> <script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script><p>The changes introduced by Airtel Money include a partial shift away from a slab-based fee structure, where transaction amounts for withdrawals and account transfers within certain intervals are charged a flat fee (plus a tax on withdrawals). Before the change, amounts between 5,001 to 60,000 Ugandan shillings (UGX) could be sent to another person’s mobile money account for UGX 500. Anything above that was subject to a fixed 1,000-shilling fee. Transactions above 1 million Ugandan shillings (USD260) are now charged a percentage-based fee equal to between 0.15-0.25 percent of the transaction amount. As shown in Figure 1, this <strong>increases the fees customers pay by between 150 to 650 percent</strong>. A close inspection of Figure 1 also shows a quirk in the new price structure – it now costs less to transfer UGX 3 million than UGX 2 million. The new pricing also has an inconsistency depending on where you look: prices listed on Airtel’s <a href="https://www.airtel.co.ug/airtelmoney/transaction_fees">website</a> show that a 60,000 UGX transfer costs 1,000 shillings, while the price list <a href="https://twitter.com/airtelmoneyug/status/1765048465745199449/">posted on X</a> shows a 500 UGX fee for the same transaction (as of March 25, 2024).</p> <!-- THEME DEBUG --> <!-- THEME HOOK: 'filter_caption' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --> <figure role="group" class="caption caption-img align-center"><img alt="Figure 1: Change in Airtel money transfer fee" data-entity-type="file" data-entity-uuid="afe485be-1bda-4eb1-938b-2286643814cf" src="/sites/default/files/inline-images/0001.jpg" width="3112" height="2229" loading="lazy" /><figcaption>Figure 1: Change in Airtel money transfer fee. Source: Airtel's website (https://www.airtel.co.ug/airtelmoney/transaction_fees). </figcaption></figure><!-- END OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --><p>Moreover, agent withdrawal fees have also surged: withdrawals of 3 million shillings (USD 770) and above are now charged 0.5 percent of the transaction value, resulting in a 60-100 percent increase in the price (see Figure 2).</p> <!-- THEME DEBUG --> <!-- THEME HOOK: 'filter_caption' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --> <figure role="group" class="caption caption-img align-center"><img alt="Change in Airtel money withdrawal fee" data-entity-type="file" data-entity-uuid="5ab4bc1b-0fc2-4c65-a930-68d7652a6055" src="/sites/default/files/inline-images/0002.jpg" width="3024" height="2202" loading="lazy" /><figcaption>Figure 2: Change in Airtel money withdrawal fee. Source: Source: Airtel's website (https://www.airtel.co.ug/airtelmoney/transaction_fees)</figcaption></figure><!-- END OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --><p>These changes impact a relatively small set of high-value transactions. Prices increased on transactions above 1 million shillings, whereas Transaction Cost Index data suggests the median mobile money transaction is approximately 20,000 shillings and just 2.5 percent of reported transactions are above 500,000 shillings.</p> <p>Despite these substantial fee increases, consumers were largely uninformed, with notifications limited to an update on Airtel's website and a post on X announcing the changes in pricing lists.  Information was not provided to consumers in any other way (such as a SMS notification). Many consumers only caught on to the price increase when they completed a transaction.</p> <p>Failure to provide clear pricing information to consumers represents a critical consumer protection challenge, one that directly harms consumers and can lead to a breakdown in trust between consumers and their financial service providers. Ultimately this breakdown in trust can lead to reductions in usage. <strong>To help maintain trust with their customers, providers should aim to make such significant pricing changes less unexpected and ensure information regarding changes in fees is provided clearly and consistently.</strong></p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/10915" hreflang="en">Blogs</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/6416" hreflang="en">Consumer Protection</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/109" hreflang="en">Uganda</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-region--rss.html.twig * field--node--rss--field-details-region--template-g-details-flex.html.twig * field--node--rss--field-details-region.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-region--template-g-details-flex.html.twig * field--node--field-details-region.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-region.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-region.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-region field--type-entity-reference field--label-above"> <div class="field__label">Details Region</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/281" hreflang="en">Africa</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-author--rss.html.twig * field--node--rss--field-details-author--template-g-details-flex.html.twig * field--node--rss--field-details-author.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-author--template-g-details-flex.html.twig * field--node--field-details-author.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-author.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-author.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <div class="field field--name-field-details-author field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/lina-hochhalter"> <div class="meta"> <div class="name notranslate"> Lina Hochhalter </div> <div class="title"> Research Associate </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-preview-image--rss.html.twig * field--node--rss--field-details-preview-image--template-g-details-flex.html.twig * field--node--rss--field-details-preview-image.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-preview-image--template-g-details-flex.html.twig * field--node--field-details-preview-image.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-preview-image.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-preview-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-preview-image field--type-image field--label-above"> <div class="field__label">Details Preview Image</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img loading="lazy" src="/sites/default/files/2024-03/9675899136_Uganda_WillBoase.jpg" width="3197" height="2127" alt="Uganda mobile money Will Boase" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-event-start-date--rss.html.twig * field--node--rss--field-event-start-date--template-g-details-flex.html.twig * field--node--rss--field-event-start-date.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-event-start-date--template-g-details-flex.html.twig * field--node--field-event-start-date.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-event-start-date.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-event-start-date.html.twig * field--datetime.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-event-start-date field--type-datetime field--label-above"> <div class="field__label">Event Start Date</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'time' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> <time datetime="2024-03-25T12:00:00Z" class="datetime">Mon, 03/25/2024 - 12:00</time> <!-- END OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-event-end-date--rss.html.twig * field--node--rss--field-event-end-date--template-g-details-flex.html.twig * field--node--rss--field-event-end-date.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-event-end-date--template-g-details-flex.html.twig * field--node--field-event-end-date.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-event-end-date.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-event-end-date.html.twig * field--datetime.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-event-end-date field--type-datetime field--label-above"> <div class="field__label">Event End Date</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'time' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> <time datetime="2024-03-25T12:00:00Z" class="datetime">Mon, 03/25/2024 - 12:00</time> <!-- END OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Mon, 25 Mar 2024 17:13:45 +0000 rnastiti@poverty-action.org 53725 at https://poverty-action.org IPA Nigeria & Central Bank of Nigeria Host Consumer Protection Forum for Financial Institutions https://poverty-action.org/ipa-nigeria-central-bank-nigeria-host-consumer-protection-forum-financial-institutions <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">IPA Nigeria &amp; Central Bank of Nigeria Host Consumer Protection Forum for Financial Institutions</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" about="/user/44" typeof="schema:Person" property="schema:name" datatype="">kvillanueva</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Mon, 02/26/2024 - 13:45</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'filter_caption' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --> <figure role="group" class="caption caption-img align-center"><img alt="Team members of IPA William Blackmon, Brian Mwesigwa, Funmi Ayeni, and Henry Chukwu with Habib Amina Ahmed (center), the Director of the Consumer Protection Department at the Central Bank of Nigeria. © 2024 Atanda Creative Studios" data-entity-type="file" data-entity-uuid="13b6da01-4da2-4c19-bf54-1c7f1954442b" src="/sites/default/files/inline-images/StaffFinal.png" width="900" height="600" loading="lazy" /><figcaption>Team members of IPA William Blackmon, Brian Mwesigwa, Funmi Ayeni, and Henry Chukwu with Habib Amina Ahmed (center), the Director of the Consumer Protection Department at the Central Bank of Nigeria. © 2024 Atanda Creative Studios</figcaption></figure><!-- END OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --><p>IPA Nigeria and the Central Bank of Nigeria hosted a Consumer Protection Forum for Financial Institutions with the theme “Feedback to Foresight: Proactive Consumer Protection in Financial Services.” This inaugural workshop was held to share market data and insights on consumer protection, presenting critical challenges, risks, and market trends for stakeholders to collaborate and provide expert recommendations for the financial industry.<br /><br /> The event included a keynote address by Habib Amina Ahmed, Director of the Central Bank of Nigeria (CBN)’s Consumer Protection Department; a presentation by William Blackmon on IPA's <a href="https://poverty-action.org/consumer-protection">Consumer Protection </a>research findings; and a session by Oludamola Atanda of CBN discussing insights from customer complaint data analysis as part of IPA and CBN’s partnership. The event concluded with an interactive session led by Henry Chukwu of IPA, where financial institution representatives provided feedback and recommendations for the said industry.<br /><br /> Participants included representatives from various financial institutions such as Deposit Money Banks, Microfinance Banks, Mobile Money Operators, Payment Service Banks, FinTechs, and industry-enabling organizations among others.<br /><br /> The event outcomes are expected to amplify the efforts of Nigeria’s financial industry stakeholders in ensuring consumer protection and empowerment.</p> <!-- THEME DEBUG --> <!-- THEME HOOK: 'filter_caption' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --> <figure role="group" class="caption caption-img align-center"><img alt="Attendees participating in brainstorming and collaborative discussions during the event's group workshop session. © 2024 Atanda Creative Studios" data-entity-type="file" data-entity-uuid="109d2dfb-f06c-4ebc-b95b-a10f55644fe5" src="/sites/default/files/inline-images/AudienceFinal.png" width="900" height="600" loading="lazy" /><figcaption>Attendees participating in brainstorming and collaborative discussions during the event's group workshop session. © 2024 Atanda Creative Studios</figcaption></figure><!-- END OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --></div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-lead-photo--rss.html.twig * field--node--rss--field-lead-photo--template-g-details-flex.html.twig * field--node--rss--field-lead-photo.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-lead-photo--template-g-details-flex.html.twig * field--node--field-lead-photo.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-lead-photo.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-lead-photo.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-lead-photo field--type-entity-reference-revisions field--label-above"> <div class="field__label">Lead Photo</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-image-caption--default.html.twig * paragraph--sub-cb30-image-caption.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_image_caption.html.twig' --> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_image_caption.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/events" hreflang="en">Events</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/6416" hreflang="en">Consumer Protection</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/90" hreflang="en">Nigeria</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-preview-image--rss.html.twig * field--node--rss--field-details-preview-image--template-g-details-flex.html.twig * field--node--rss--field-details-preview-image.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-preview-image--template-g-details-flex.html.twig * field--node--field-details-preview-image.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-preview-image.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-preview-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-preview-image field--type-image field--label-above"> <div class="field__label">Details Preview Image</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img loading="lazy" src="/sites/default/files/2024-03/IPANigeria.png" width="900" height="600" alt="Team members of IPA William Blackmon, Brian Mwesigwa, Funmi Ayeni, and Henry Chukwu with Habib Amina Ahmed (center), the Director of the Consumer Protection Department at the Central Bank of Nigeria. © 2024 Atanda Creative Studios" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-staff--rss.html.twig * field--node--rss--field-staff--template-g-details-flex.html.twig * field--node--rss--field-staff.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-staff--template-g-details-flex.html.twig * field--node--field-staff.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-staff.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-staff.html.twig * field--entity-reference-revisions.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <div class="field field--name-field-staff field--type-entity-reference-revisions field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/funmilayo-ayeni"> <div class="img" style="background-image: url('/sites/default/files/2023-08/Funmilayo-Ayeni.png')"> </div> <div class="meta"> <div class="name notranslate"> Funmilayo Ayeni </div> <div class="title"> Country Director, Nigeria </div> </div> </a> </div> <div class="ind"> <a href="/people/william-blackmon"> <div class="img" style="background-image: url('/sites/default/files/2024-03/William-Blackmon.png')"> </div> <div class="meta"> <div class="name notranslate"> William Blackmon </div> <div class="title"> Senior Research Manager, Financial Inclusion </div> </div> </a> </div> <div class="ind"> <a href="/people/henry-chukwu"> <div class="img" style="background-image: url('/sites/default/files/2024-01/Henry-Chukwu-2023-Web.png')"> </div> <div class="meta"> <div class="name notranslate"> Henry Chukwu </div> <div class="title"> Senior Manager, Consumer Protection Embedded Lab </div> </div> </a> </div> <div class="ind"> <a href="/people/brian-mwesigwa"> <div class="img" style="background-image: url('/sites/default/files/headshots/Mwesigwa.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Brian Mwesigwa </div> <div class="title"> Research Manager </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-event-start-date--rss.html.twig * field--node--rss--field-event-start-date--template-g-details-flex.html.twig * field--node--rss--field-event-start-date.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-event-start-date--template-g-details-flex.html.twig * field--node--field-event-start-date.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-event-start-date.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-event-start-date.html.twig * field--datetime.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-event-start-date field--type-datetime field--label-above"> <div class="field__label">Event Start Date</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'time' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> <time datetime="2024-02-15T12:00:00Z" class="datetime">Thu, 02/15/2024 - 12:00</time> <!-- END OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-event-end-date--rss.html.twig * field--node--rss--field-event-end-date--template-g-details-flex.html.twig * field--node--rss--field-event-end-date.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-event-end-date--template-g-details-flex.html.twig * field--node--field-event-end-date.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-event-end-date.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-event-end-date.html.twig * field--datetime.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-event-end-date field--type-datetime field--label-above"> <div class="field__label">Event End Date</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'time' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> <time datetime="2024-02-15T12:00:00Z" class="datetime">Thu, 02/15/2024 - 12:00</time> <!-- END OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Mon, 26 Feb 2024 18:45:49 +0000 kvillanueva 53685 at https://poverty-action.org Encouraging Consumers to Transact with New Mobile Money Agents in Tanzania https://poverty-action.org/encouraging-consumers-transact-with-new-mobile-money-agents-tanzania <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Encouraging Consumers to Transact with New Mobile Money Agents in Tanzania</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" about="/user/5" typeof="schema:Person" property="schema:name" datatype="" content="mpodesta@poverty-action.org">mpodesta@pover…</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Wed, 02/21/2024 - 15:12</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'filter_caption' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --> <figure role="group" class="caption caption-img"><img alt="Mobile money stand in Tanzania" data-entity-type="file" data-entity-uuid="6123ceae-1e7f-4c4b-a0fd-90357da665fb" src="/sites/default/files/inline-images/Tanzania%20Mobile%20Money%20Kyu%20Khin%20Ghar%20%281%29.png" width="734" height="580" loading="lazy" /><figcaption>A transaction with a mobile money agent ©Jackline Joseph, IPA Tanzania</figcaption></figure><!-- END OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --><p><strong>Researchers in Tanzania conducted a randomized evaluation to measure the impact of encouraging consumers to make transactions with different mobile money agents.</strong></p></div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>Across low- and middle-income countries, the rise of mobile money relies on an ever-expanding network of agents offering assistance to consumers to complete transactions. In Tanzania, agents are concentrated in public markets and provide similar basic services, giving consumers options on who to transact with. However, evidence suggests that agent reliability is a significant concern in Tanzania, with the percentage of visits that are successful ranging from 32 percent to 79 percent in a market on average. Despite this, many consumers tend to use the same agent for each transaction, suggesting that consumers may choose agents based on social ties or that they are unaware of cost or reliability.</p> <p>Researchers conducted a randomized evaluation to measure the impact of encouraging consumers to make transactions with different mobile money agents, including new agents they have not used in the past. These mobile money agents were categorized as either high-quality or low-quality based on the likelihood of successfully completing transactions and the fees they charge for completing transactions (conditional on successfully completing the transaction). </p> <p>A total of 400 consumers in 10 public markets in Dar Es Salaam and Mwanza were randomly assigned to either visit agents they use regularly; visit agents they use regularly and high-quality new agents; visit agents they use regularly and low-quality new agents; or serve as a comparison group. Researchers will measure the type, size, &amp; frequency of transactions, the mode of transactions (independently or with agent assistance), choice of agents, reliability of transactions, knowledge of agent reliability, and resilience to financial shocks. </p> <p>Results anticipated in late 2024. </p></div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-lead-photo--rss.html.twig * field--node--rss--field-lead-photo--template-g-details-flex.html.twig * field--node--rss--field-lead-photo.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-lead-photo--template-g-details-flex.html.twig * field--node--field-lead-photo.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-lead-photo.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-lead-photo.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-lead-photo field--type-entity-reference-revisions field--label-above"> <div class="field__label">Lead Photo</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-image-caption--default.html.twig * paragraph--sub-cb30-image-caption.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_image_caption.html.twig' --> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_image_caption.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/case-studies" hreflang="en">Case Study</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/6416" hreflang="en">Consumer Protection</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/104" hreflang="en">Tanzania</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-researchers--rss.html.twig * field--node--rss--field-details-researchers--template-g-details-flex.html.twig * field--node--rss--field-details-researchers.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-researchers--template-g-details-flex.html.twig * field--node--field-details-researchers.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-researchers.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-researchers.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <div class="field field--name-field-details-researchers field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/francis-annan"> <div class="img" style="background-image: url('/sites/default/files/headshots/Francis-Annan.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Francis Annan </div> <div class="title"> University of California, Berkeley </div> </div> </a> </div> <div class="ind"> <a href="/people/xavier-gine"> <div class="img" style="background-image: url('/sites/default/files/2023-08/Xavier-Gine.png')"> </div> <div class="meta"> <div class="name notranslate"> Xavier Giné </div> <div class="title"> World Bank </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-study-status--rss.html.twig * field--node--rss--field-details-study-status--template-g-details-flex.html.twig * field--node--rss--field-details-study-status.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-study-status--template-g-details-flex.html.twig * field--node--field-details-study-status.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-study-status.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-study-status.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-study-status field--type-entity-reference field--label-above"> <div class="field__label">Details Study Status</div> <div class="field__item"><a href="/taxonomy/term/10964" hreflang="en">In Progress</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-study-type--rss.html.twig * field--node--rss--field-details-study-type--template-g-details-flex.html.twig * field--node--rss--field-details-study-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-study-type--template-g-details-flex.html.twig * field--node--field-details-study-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-study-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-study-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-study-type field--type-entity-reference field--label-above"> <div class="field__label">Details Study Type</div> <div class="field__item"><a href="/taxonomy/term/2271" hreflang="en">Randomized Evaluation</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-region--rss.html.twig * field--node--rss--field-details-region--template-g-details-flex.html.twig * field--node--rss--field-details-region.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-region--template-g-details-flex.html.twig * field--node--field-details-region.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-region.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-region.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-region field--type-entity-reference field--label-above"> <div class="field__label">Details Region</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/291" hreflang="en">East Africa</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-preview-image--rss.html.twig * field--node--rss--field-details-preview-image--template-g-details-flex.html.twig * field--node--rss--field-details-preview-image.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-preview-image--template-g-details-flex.html.twig * field--node--field-details-preview-image.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-preview-image.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-preview-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-preview-image field--type-image field--label-above"> <div class="field__label">Details Preview Image</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img loading="lazy" src="/sites/default/files/2024-02/Tanzania%20Mobile%20Money%20Kyu%20Khin%20Ghar%20%281%29.png" width="734" height="580" alt="Transaction at mobile money stand" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-staff--rss.html.twig * field--node--rss--field-staff--template-g-details-flex.html.twig * field--node--rss--field-staff.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-staff--template-g-details-flex.html.twig * field--node--field-staff.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-staff.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-staff.html.twig * field--entity-reference-revisions.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <div class="field field--name-field-staff field--type-entity-reference-revisions field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/furaha-abwe"> <div class="img" style="background-image: url('/sites/default/files/2023-01/Furaha-Abwe_1.png')"> </div> <div class="meta"> <div class="name notranslate"> Furaha Abwe </div> <div class="title"> Associate Research Manager </div> </div> </a> </div> <div class="ind"> <a href="/people/william-blackmon"> <div class="img" style="background-image: url('/sites/default/files/headshots/William-Blackmon_edited.jpg')"> </div> <div class="meta"> <div class="name notranslate"> William Blackmon </div> <div class="title"> Senior Research Manager, Financial Inclusion </div> </div> </a> </div> <div class="ind"> <a href="/people/zachary-isdahl"> <div class="img" style="background-image: url('/sites/default/files/headshots/Zachary-Isdahl_0.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Zachary Isdahl </div> <div class="title"> Country Director, Tanzania </div> </div> </a> </div> <div class="ind"> <a href="/people/kyu-khin-gar"> <div class="img" style="background-image: url('/sites/default/files/headshots/Khu-Khin-Gar.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Kyu Khin Gar </div> <div class="title"> Senior Research Manager </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sample-size--rss.html.twig * field--node--rss--field-sample-size--template-g-details-flex.html.twig * field--node--rss--field-sample-size.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-sample-size--template-g-details-flex.html.twig * field--node--field-sample-size.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-sample-size.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-sample-size.html.twig * field--string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-sample-size field--type-string field--label-above"> <div class="field__label">Sample Size</div> <div class="field__item">400 Consumers</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-timeline--rss.html.twig * field--node--rss--field-timeline--template-g-details-flex.html.twig * field--node--rss--field-timeline.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-timeline--template-g-details-flex.html.twig * field--node--field-timeline.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-timeline.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-timeline.html.twig * field--string-long.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-timeline field--type-string-long field--label-above"> <div class="field__label">Timeline</div> <div class="field__item">2023-2024</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Wed, 21 Feb 2024 20:12:03 +0000 mpodesta@poverty-action.org 53678 at https://poverty-action.org Developing Consumer Protection Market Monitoring Tools for the Philippines Central Bank https://poverty-action.org/developing-consumer-protection-market-monitoring-tools-philippines-central-bank <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Developing Consumer Protection Market Monitoring Tools for the Philippines Central Bank </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" about="/user/5" typeof="schema:Person" property="schema:name" datatype="" content="mpodesta@poverty-action.org">mpodesta@pover…</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Tue, 01/23/2024 - 10:25</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'filter_caption' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --> <figure role="group" class="caption caption-img"><img alt="BSP Headquarters" data-entity-type="file" data-entity-uuid="01bf7e95-570f-4c12-a7d5-4e571b27b9d3" src="/sites/default/files/inline-images/6FAF2FB7-79F1-4EE9-BBE6-DB13D1AD8898%20-%20Ma.Isabel%20Fernandez.JPG" width="4032" height="3024" loading="lazy" /><figcaption>BSP Headquarters 2023</figcaption></figure><!-- END OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --><p><span><span><span><strong><span><span>IPA is collaborating with Bangko Sentral ng Pilipinas (BSP) to strengthen its technical capacity for monitoring and safeguarding consumer rights through new data collection methods and increased data analysis capacity.</span></span></strong></span></span></span></p></div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>In May 2022, the Financial Products and Services Consumer Protection Act (FCPA) in the Philippines was passed into law, which seeks to protect consumers from fraudulent transactions and disadvantageous terms and conditions from providers. The FCPA expands the responsibilities of financial sector regulators to enforce protections such as fair treatment and responsible pricing for Filipino consumers. The Bangko Sentral ng Pilipinas (BSP)—the central bank—is working to fully implement the FCPA across the country to increase consumer protection as more consumers adopt digital banking.</p> <p>IPA is providing technical assistance to BSP and select financial service providers to strengthen technical capacity for monitoring and safeguarding consumer rights through a data-driven approach. This includes designing and piloting an empirical work plan to evaluate current practices in pricing, consumer complaints, and product suitability, using FCDA reporting templates to test new metrics for pricing, affordability, and suitability. The data from these metrics will be used by BSP and providers to develop new consumer protection reporting requirements for financial service providers and to set policies that protect consumers and support access to quality financial services.</p></div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><hr /><h1>Implementing Partner</h1> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--cb30-detail--default.html.twig x paragraph--cb30-detail.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--cb30-detail.html.twig' --> <div class="paragraph paragraph--type--cb30-detail paragraph--view-mode--default"> <section class="cb30"> <div class="frame"> <!-- <aside class="sidebar"> <div class="toggle accordion"> <a href="javascript:;" class=""> <span>In this Section</span> <svg width="50" height="50" viewBox="0 0 50 50" fill="none" xmlns="http://www.w3.org/2000/svg"> <circle cx="25" cy="25" r="25" transform="rotate(90 25 25)" fill="white"/> <path d="M24.4697 30.0568C24.7626 30.3497 25.2374 30.3497 25.5303 30.0568L30.3033 25.2839C30.5962 24.991 30.5962 24.5161 30.3033 24.2232C30.0104 23.9303 29.5355 23.9303 29.2426 24.2232L25 28.4659L20.7574 24.2232C20.4645 23.9303 19.9896 23.9303 19.6967 24.2232C19.4038 24.5161 19.4038 24.991 19.6967 25.2839L24.4697 30.0568ZM24.25 28.4141L24.25 29.5265L25.75 29.5265L25.75 28.4141L24.25 28.4141Z" fill="#21212A"/> </svg> </a> </div> <div class="inner"> <div class="cb-share cb-det"> <span>Share</span> <div class="social"> <a href="#"> <svg width="8" height="14" viewBox="0 0 8 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M2.25 4.66667H0.5V7H2.25V14H5.16667V7H7.29117L7.5 4.66667H5.16667V3.69425C5.16667 3.13717 5.27867 2.91667 5.81708 2.91667H7.5V0H5.27867C3.181 0 2.25 0.923416 2.25 2.69208V4.66667Z" fill="#21212A"/> </svg> </a> <a href="#"> <svg width="15" height="12" viewBox="0 0 15 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.2698 0.955817C11.7259 0.367563 10.9485 0 10.0879 0C8.4383 0 7.09955 1.35644 7.09955 3.02932C7.09955 3.26693 7.12523 3.49723 7.17658 3.71907C4.69205 3.59258 2.48959 2.388 1.01428 0.552882C0.75672 1.00195 0.609656 1.52292 0.609656 2.07773C0.609656 3.12813 1.13722 4.05549 1.93985 4.59876C1.45041 4.58415 0.988599 4.44651 0.584756 4.2212V4.25811C0.584756 5.72644 1.61537 6.9514 2.98408 7.22861C2.73353 7.29973 2.46897 7.33549 2.19624 7.33549C2.00365 7.33549 1.81574 7.31704 1.63366 7.28166C2.01416 8.4847 3.11753 9.36093 4.42594 9.38438C3.4031 10.1972 2.11337 10.6816 0.713145 10.6816C0.471929 10.6816 0.233435 10.6678 0 10.6401C1.3228 11.4983 2.89499 12 4.58273 12C10.0821 12 13.0883 7.3847 13.0883 3.38112C13.0883 3.24924 13.086 3.11775 13.0809 2.98856C13.6649 2.5614 14.1723 2.02813 14.5714 1.42065C14.0361 1.66134 13.4595 1.82436 12.8549 1.89741C13.4723 1.52292 13.9462 0.929288 14.1695 0.221845C13.5914 0.568646 12.9526 0.820864 12.2698 0.955817Z" fill="#21212A"/> </svg> </a> </div> </div> <div class="cb-meta cb-det"> </div> </div> </aside> --> <div class="details-flex"> <!-- <div class="cb-tags"> --> <!-- <div class="tags-wrapper"> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> </div> --> <!-- <a href="/node//pdf" class="btn-black" target="_blank">View in PDF</a> --> <!-- </div> --> <!-- <div class="cb-title"> <h2>Cras ultricies mi eu turpis fusce convallis metus id felis </h2> </div> --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-cb30-flex-block--default.html.twig * field--paragraph--default--field-cb30-flex-block--cb30-detail.html.twig * field--paragraph--default--field-cb30-flex-block.html.twig * field--paragraph--default--cb30-detail.html.twig * field--paragraph--field-cb30-flex-block--cb30-detail.html.twig * field--paragraph--field-cb30-flex-block.html.twig * field--paragraph--cb30-detail.html.twig * field--default--field-cb30-flex-block.html.twig * field--default--cb30-detail.html.twig * field--default.html.twig * field--field-cb30-flex-block.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-cb30-flex-block field--type-entity-reference-revisions field--label-above"> <div class="field__label">CB30 Flex Block</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-donors--default.html.twig * paragraph--sub-cb30-donors.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_donors.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-donors paragraph--view-mode--default"> <div class="cb-donors"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-donor-repeater-block--default.html.twig * field--paragraph--default--field-donor-repeater-block--sub-cb30-donors.html.twig * field--paragraph--default--field-donor-repeater-block.html.twig * field--paragraph--default--sub-cb30-donors.html.twig * field--paragraph--field-donor-repeater-block--sub-cb30-donors.html.twig * field--paragraph--field-donor-repeater-block.html.twig * field--paragraph--sub-cb30-donors.html.twig * field--default--field-donor-repeater-block.html.twig * field--default--sub-cb30-donors.html.twig * field--default.html.twig x field--field-donor-repeater-block.html.twig * field--entity-reference-revisions.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-donor-repeater-block.html.twig' --> <div class="field field--name-field-donor-repeater-block field--type-entity-reference-revisions field--label-above"> <div class="field__label">Donor Repeater Block</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-donors-repeater--default.html.twig * paragraph--sub-donors-repeater.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_donors_repeater.html.twig' --> <div class="paragraph paragraph--type--sub-donors-repeater paragraph--view-mode--default"> <div class="imgs-wrapper"> <img src="/sites/default/files/2024-01/Bangko_Sentral_ng_Pilipinas_2020_logo.png" alt="BSP Logo"> </div> <span> Bangko Sentral Ng Pilipinas (BSP) </span> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_donors_repeater.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-donor-repeater-block.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_donors.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><hr /><h1>Research Partner</h1> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-donors--default.html.twig * paragraph--sub-cb30-donors.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_donors.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-donors paragraph--view-mode--default"> <div class="cb-donors"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-donor-repeater-block--default.html.twig * field--paragraph--default--field-donor-repeater-block--sub-cb30-donors.html.twig * field--paragraph--default--field-donor-repeater-block.html.twig * field--paragraph--default--sub-cb30-donors.html.twig * field--paragraph--field-donor-repeater-block--sub-cb30-donors.html.twig * field--paragraph--field-donor-repeater-block.html.twig * field--paragraph--sub-cb30-donors.html.twig * field--default--field-donor-repeater-block.html.twig * field--default--sub-cb30-donors.html.twig * field--default.html.twig x field--field-donor-repeater-block.html.twig * field--entity-reference-revisions.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-donor-repeater-block.html.twig' --> <div class="field field--name-field-donor-repeater-block field--type-entity-reference-revisions field--label-above"> <div class="field__label">Donor Repeater Block</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-donors-repeater--default.html.twig * paragraph--sub-donors-repeater.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_donors_repeater.html.twig' --> <div class="paragraph paragraph--type--sub-donors-repeater paragraph--view-mode--default"> <div class="imgs-wrapper"> <img src="/sites/default/files/2024-01/CFI%E2%80%94Vert%E2%80%94B.jpg" alt="Center for Financial Inclusion"> </div> <span> Center for Financial Inclusion </span> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_donors_repeater.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-donor-repeater-block.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_donors.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><hr /><h1>Funding Partner</h1> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-donors--default.html.twig * paragraph--sub-cb30-donors.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_donors.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-donors paragraph--view-mode--default"> <div class="cb-donors"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-donor-repeater-block--default.html.twig * field--paragraph--default--field-donor-repeater-block--sub-cb30-donors.html.twig * field--paragraph--default--field-donor-repeater-block.html.twig * field--paragraph--default--sub-cb30-donors.html.twig * field--paragraph--field-donor-repeater-block--sub-cb30-donors.html.twig * field--paragraph--field-donor-repeater-block.html.twig * field--paragraph--sub-cb30-donors.html.twig * field--default--field-donor-repeater-block.html.twig * field--default--sub-cb30-donors.html.twig * field--default.html.twig x field--field-donor-repeater-block.html.twig * field--entity-reference-revisions.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-donor-repeater-block.html.twig' --> <div class="field field--name-field-donor-repeater-block field--type-entity-reference-revisions field--label-above"> <div class="field__label">Donor Repeater Block</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-donors-repeater--default.html.twig * paragraph--sub-donors-repeater.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_donors_repeater.html.twig' --> <div class="paragraph paragraph--type--sub-donors-repeater paragraph--view-mode--default"> <div class="imgs-wrapper"> <img src="/sites/default/files/2024-01/bill-melinda-gates-foundation-logo-png-transparent.png" alt="Bill &amp; Melinda Gates Foundation"> </div> <span> Bill &amp; Melinda Gates Foundation </span> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_donors_repeater.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-donor-repeater-block.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_donors.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> </div> </div> </section> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--cb30-detail.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-lead-photo--rss.html.twig * field--node--rss--field-lead-photo--template-g-details-flex.html.twig * field--node--rss--field-lead-photo.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-lead-photo--template-g-details-flex.html.twig * field--node--field-lead-photo.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-lead-photo.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-lead-photo.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-lead-photo field--type-entity-reference-revisions field--label-above"> <div class="field__label">Lead Photo</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-image-caption--default.html.twig * paragraph--sub-cb30-image-caption.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_image_caption.html.twig' --> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_image_caption.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/case-studies" hreflang="en">Case Study</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/6416" hreflang="en">Consumer Protection</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/95" hreflang="en">Philippines</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-researchers--rss.html.twig * field--node--rss--field-details-researchers--template-g-details-flex.html.twig * field--node--rss--field-details-researchers.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-researchers--template-g-details-flex.html.twig * field--node--field-details-researchers.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-researchers.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-researchers.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <div class="field field--name-field-details-researchers field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/paul-adams"> <div class="img" style="background-image: url('/sites/default/files/2023-11/Paul%20Adams...jpg')"> </div> <div class="meta"> <div class="name notranslate"> Paul Adams </div> <div class="title"> Director, Consumer Protection Research Initiative and Director, Financial Inclusion Program </div> </div> </a> </div> <div class="ind"> <a href="/people/rafe-mazer"> <div class="img" style="background-image: url('/sites/default/files/headshots/rafe_mazer.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Rafe Mazer </div> <div class="title"> Fair Finance Consulting </div> </div> </a> </div> <div class="ind"> <a href="/people/edoardo-totolo"> <div class="img" style="background-image: url('/sites/default/files/2024-01/IMG_0247.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Edoardo Totolo </div> <div class="title"> Center for Financial Inclusion </div> </div> </a> </div> <div class="ind"> <a href="/people/jayshree-venkatesan"> <div class="img" style="background-image: url('/sites/default/files/2024-01/Jayshree.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Jayshree Venkatesan </div> <div class="title"> Center for Financial Inclusion </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-study-status--rss.html.twig * field--node--rss--field-details-study-status--template-g-details-flex.html.twig * field--node--rss--field-details-study-status.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-study-status--template-g-details-flex.html.twig * field--node--field-details-study-status.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-study-status.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-study-status.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-study-status field--type-entity-reference field--label-above"> <div class="field__label">Details Study Status</div> <div class="field__item"><a href="/taxonomy/term/10964" hreflang="en">In Progress</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-study-type--rss.html.twig * field--node--rss--field-details-study-type--template-g-details-flex.html.twig * field--node--rss--field-details-study-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-study-type--template-g-details-flex.html.twig * field--node--field-details-study-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-study-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-study-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-study-type field--type-entity-reference field--label-above"> <div class="field__label">Details Study Type</div> <div class="field__item"><a href="/taxonomy/term/2276" hreflang="en">Pilot</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-region--rss.html.twig * field--node--rss--field-details-region--template-g-details-flex.html.twig * field--node--rss--field-details-region.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-region--template-g-details-flex.html.twig * field--node--field-details-region.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-region.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-region.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-region field--type-entity-reference field--label-above"> <div class="field__label">Details Region</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/301" hreflang="en">Asia and Oceania</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-preview-image--rss.html.twig * field--node--rss--field-details-preview-image--template-g-details-flex.html.twig * field--node--rss--field-details-preview-image.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-preview-image--template-g-details-flex.html.twig * field--node--field-details-preview-image.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-preview-image.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-preview-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-preview-image field--type-image field--label-above"> <div class="field__label">Details Preview Image</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img loading="lazy" src="/sites/default/files/2024-01/6FAF2FB7-79F1-4EE9-BBE6-DB13D1AD8898%20-%20Ma.Isabel%20Fernandez.JPG" width="4032" height="3024" alt="BSP Headquarters 2023" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-staff--rss.html.twig * field--node--rss--field-staff--template-g-details-flex.html.twig * field--node--rss--field-staff.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-staff--template-g-details-flex.html.twig * field--node--field-staff.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-staff.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-staff.html.twig * field--entity-reference-revisions.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <div class="field field--name-field-staff field--type-entity-reference-revisions field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/maria-isabel-fernandez"> <div class="img" style="background-image: url('/sites/default/files/2023-05/Ma-Isabel-Fernandez.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Maria Isabel Fernandez </div> <div class="title"> Associate Research Manager </div> </div> </a> </div> <div class="ind"> <a href="/people/yuna-liang"> <div class="img" style="background-image: url('/sites/default/files/headshots/Yuna-Liang-Web-2022.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Yuna Liang </div> <div class="title"> Senior Research Manager </div> </div> </a> </div> <div class="ind"> <a href="/people/maxine-tong"> <div class="img" style="background-image: url('/sites/default/files/2023-05/Mary-Maxine-Tong.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Maxine Tong </div> <div class="title"> Research Associate </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-timeline--rss.html.twig * field--node--rss--field-timeline--template-g-details-flex.html.twig * field--node--rss--field-timeline.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-timeline--template-g-details-flex.html.twig * field--node--field-timeline.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-timeline.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-timeline.html.twig * field--string-long.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-timeline field--type-string-long field--label-above"> <div class="field__label">Timeline</div> <div class="field__item">2022-2023</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Tue, 23 Jan 2024 15:25:41 +0000 mpodesta@poverty-action.org 53617 at https://poverty-action.org Press Release: As Digital Credit Surges, New Research Shows Need for Greater Consumer Protection in Poor Countries https://poverty-action.org/blog/press-release-digital-credit-surges-new-research-shows-need-greater-consumer-protection-poor <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Press Release: As Digital Credit Surges, New Research Shows Need for Greater Consumer Protection in Poor Countries</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" about="/user/44" typeof="schema:Person" property="schema:name" datatype="">kvillanueva</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Fri, 01/19/2024 - 14:48</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><img alt="Logos of IPA and CEGA" data-entity-type="file" data-entity-uuid="d8afd51a-ca91-4425-b456-701d4c510681" src="/sites/default/files/inline-images/IPA-and-CEGA-Logos-Banner.png" style="width: 50%; height: auto;" class="align-center" width="1225" height="292" loading="lazy" /><p><br /><strong>A report from leading anti-poverty research organizations provides new insights into the relationship between the digitization of credit and economic development in an era of overlapping crises.</strong></p> <p>BERKELEY, CA (23 Jan. 2024) - As the world struggles to return to stable financial footing, fend off inflation, and fuel renewed growth in poor countries, new research shows that digital credit must be reimagined to be an effective tool in this effort. Digitization has made credit accessible to more people in recent years, but many countries lack institutional protections for their most vulnerable citizens, who are most susceptible to fraud and exploitation. With billions of dollars of credit being disbursed to consumers in low- and middle-income countries (LMICs), the need for more evidence-informed safeguards is clear.<br /><br /><a href="https://reports-cega.berkeley.edu/mobile-instant-credit-report/" target="_blank"><em>Mobile Instant Credit: Impacts, Challenges, and Lessons for Consumer Protection</em></a> is a collaborative report from the Center for Effective Global Action (CEGA) at UC Berkeley and Innovations for Poverty Action (IPA) that contributes to a common understanding, shared vocabulary, and conceptual framework to advance knowledge of the relationship between global development and the digitization of credit. Specifically, the report focuses on <a href="/mobile-instant-credit" target="_blank">Mobile Instant Credit (MIC)</a>—small digital loans that are primarily marketed and used for consumption purposes—as there is now a sufficient body of research to inform policy decisions.<br /><br /> The report delivers three key insights for policymakers:</p> <ol><li style="font-size: 1em;">The current evidence reveals that Mobile Instant Credit does not have consistent impacts on consumption, resilience, or asset ownership, but leads to modest improvements in subjective well-being.</li> <li style="font-size: 1em;">Mobile Instant Credit did not impact the average consumer’s financial health, ability to save, or total spending, but the growth of digital loans in LMICs poses an increased risk of misconduct, including overcharging, fraud, and predatory collection practices.</li> <li style="font-size: 1em;">Several new methods for collecting and analyzing data have shown promise to improve regulatory oversight and empower individuals, but more evidence is needed to understand whether these promising approaches can protect at-risk consumers.</li> </ol><p>As providers increasingly offer a wider variety of products and services, digital credit has the potential to improve lives by reducing costs, accelerating the loan process, and enabling better information on prospective borrowers that may lead to more suitable and sustainable products.</p> <p>However, the effectiveness of many forms of digital credit remains unstudied, even while regulatory frameworks are lacking in many poor countries.</p> <p>“More research is needed to understand who benefits from digital credit products and why,” said Paul Adams, Director of Consumer Protection and Financial Inclusion at IPA. “At the same time, we need to equip regulators with the data, tools, and frameworks to be able to supervise this fast moving market, and to minimize potential risks.”</p> <p>While the average consumer may experience mixed benefits from digital credit, there is clear evidence that vulnerable communities are most susceptible to fraud and exploitation. More consumer protection research is needed to inform the design of better products and to understand the regulatory structures that are most effective at protecting consumers.</p> <p>Despite what remains unknown, there are reasons for optimism. Although predatory lending, fraud, and privacy infringement exist, the report documents that a growing number of digital credit interventions have shown a positive impact, including approaches to mitigating gender bias and reductions in default rates.</p> <p>“The way digital credit is provided has tremendous implications for low-income users," said Carson Christiano, Executive Director of CEGA. “We want our research to shed light on how products can be improved to both protect and benefit under-served communities.”</p> <p>Supported by the Bill &amp; Melinda Gates Foundation, the report primarily draws on evidence produced by CEGA’s <a href="https://cega.berkeley.edu/initiative/digital-credit-observatory/">Digital Credit Observatory</a> (DCO) and IPA’s <a href="https://poverty-action.org/consumer-protection">Consumer Protection Research Initiative</a> (CPRI). Both initiatives support extensive research on digital credit and how to better protect consumers and support their financial health.</p> <h3><strong>Notes to the Editor</strong></h3> <p><strong>About CEGA </strong><br /><br /> The Center for Effective Global Action (<a href="https://cega.berkeley.edu/">CEGA</a>) is a hub for research, training, and innovation headquartered at the University of California, Berkeley. CEGA generates insights that leaders can use to improve policies, programs, and people’s lives. Its academic network includes more than 160 faculty, 65 scholars from low- and middle-income countries, and hundreds of graduate students—from diverse academic disciplines across the globe—that produce rigorous evidence about what works to expand education, health, and economic opportunities for people living in poverty.<br /><br /><strong>About IPA </strong><br /> Innovations for Poverty Action is a research and policy nonprofit that discovers and advances what works to improve the lives of people living in poverty. IPA brings together researchers and decision-makers to design, rigorously evaluate, and refine these solutions and their applications, to ensure that the evidence we create leads to tangible impact on the world. Since its founding in 2002, IPA has worked with over 600 leading academics to conduct over 900 evaluations in 52 countries. This research has informed hundreds of successful programs that now impact millions of individuals worldwide.<br /><br /><strong>Media Contacts </strong><br /><br /> CEGA<br /> Matthew Kertman<br /> Director of Communications<br /><a href="mailto:kertman@berkeley.edu">kertman@berkeley.edu</a><br /> +1 860 918 2735<br /><br /> IPA<br /> Florence Dzame<br /> Associate Director, Global Communications<br /><a href="mailto:fdzame@poverty-action.org">fdzame@poverty-action.org</a></p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 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field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/11410" hreflang="en">Press 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field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/6581" hreflang="en">Digital Finance</a></div> <div class="field__item"><a href="/taxonomy/term/6416" hreflang="en">Consumer Protection</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-preview-image--rss.html.twig * field--node--rss--field-details-preview-image--template-g-details-flex.html.twig * field--node--rss--field-details-preview-image.html.twig * field--node--rss--template-g-details-flex.html.twig * 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field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-partners.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-partners field--type-entity-reference field--label-above"> <div class="field__label">Details Partners</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/11322" hreflang="en">Center for Effective Global Action (CEGA)</a></div> <div class="field__item"><a href="/taxonomy/term/11088" hreflang="en">The Bill &amp; Melinda Gates Foundation</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-event-start-date--rss.html.twig * field--node--rss--field-event-start-date--template-g-details-flex.html.twig * 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'core/themes/classy/templates/field/time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-event-end-date--rss.html.twig * field--node--rss--field-event-end-date--template-g-details-flex.html.twig * field--node--rss--field-event-end-date.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-event-end-date--template-g-details-flex.html.twig * field--node--field-event-end-date.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-event-end-date.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-event-end-date.html.twig * field--datetime.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-event-end-date field--type-datetime field--label-above"> <div class="field__label">Event End Date</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'time' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> <time datetime="2024-01-24T12:00:00Z" class="datetime">Wed, 01/24/2024 - 12:00</time> <!-- END OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-result-image--rss.html.twig * field--node--rss--field-result-image--template-g-details-flex.html.twig * field--node--rss--field-result-image.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-result-image--template-g-details-flex.html.twig * field--node--field-result-image.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-result-image.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-result-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-result-image field--type-image field--label-above"> <div class="field__label">Result Image</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img loading="lazy" src="/sites/default/files/2024-01/Press%20Release%20Image%20URL%20without%20BMG_0.png" width="1600" height="900" alt="Thumbnail banner for DCO" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Fri, 19 Jan 2024 19:48:59 +0000 kvillanueva 53611 at https://poverty-action.org The Promise and Harms of Digital Credit: What Does the Evidence Say? https://poverty-action.org/blog/promise-and-harms-digital-credit-what-does-evidence-say <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">The Promise and Harms of Digital Credit: What Does the Evidence Say?</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" about="/user/44" typeof="schema:Person" property="schema:name" datatype="">kvillanueva</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Fri, 01/19/2024 - 14:16</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>The first digital credit loan was made in <a href="https://www.fsdkenya.org/blogs-publications/blog/kenyas-digital-credit-revolution-5-years-on/">Kenya</a> in 2012.<sup> </sup>By 2019, these loans had spread across the globe, with billions of dollars of credit <a href="https://doi.org/10.1016/j.jbankfin.2022.106742">disbursed</a> to consumers in low- and middle-income countries (LMICs). Though the proliferation of quick and easy loans made demand for these products clear, their impact on consumers was uncertain.<br /><br /> While proponents hailed digital credit as a transformative development with the potential to drive financial inclusion and reduce poverty, reports of fraud, exploitation, and over-indebtedness led to concerns that many digital credit users suffered financial harm. Until now, a shortage of rigorous evidence has made it difficult to answer questions about the true impacts of the first wave of digital loans. Even as a sufficient body of evidence has formed to evaluate early digital credit products, rapid evolution in the market and the digitization of new credit products over the past decade has further complicated the challenge of fully understanding the impacts of digital credit today. Insights from early evaluations should be applied to critically assess newer forms of digital credit and focus future support on more productive and impactful products.</p> <h3><strong>A New Synthesis</strong></h3> <p>Supported by the Bill &amp; Melinda Gates Foundation, <a href="https://reports-cega.berkeley.edu/mobile-instant-credit-report/" target="_blank"><em>Mobile Instant Credit: Impacts, Challenges, and Lessons for Consumer Protection</em></a> is a collaborative report from the Center for Effective Global Action (CEGA) and Innovations for Poverty Action (IPA) that contributes to a shared vocabulary, reference base, and conceptual framework to advance discussion on the relationship between the digitization of credit and development. The <a href="https://reports-cega.berkeley.edu/mobile-instant-credit-report/">report</a> draws on evidence mainly from CEGA’s <a href="https://cega.berkeley.edu/initiative/digital-credit-observatory/">Digital Credit Observatory </a>(DCO) and IPA’s <a href="https://poverty-action.org/consumer-protection">Consumer Protection Research Initiative</a> (CPRI). Both initiatives have supported extensive research on digital credit and approaches to better protect consumers and support their financial health.</p> <p>This new report should temper both the fears of critics and optimism of proponents. The current evidence on digital credit suggests the average consumer has not benefited economically, but did see modest improvements in subjective well-being. Causal studies did not find that recipients were harmed by digital loans, but descriptive evidence showed a rise in problems such as debt stress, price shrouding, overcharging, and predatory collection practices. When considered alongside the proliferation of digital credit, these challenges necessitate new consumer protections.</p> <h3><strong>Key Evidence</strong></h3> <p>The report focuses on studies investigating the welfare impacts of digital credit, the forms of misconduct associated with digital credit, and the effectiveness of consumer protection tools. It emphasizes the narrower topic of <a href="/mobile-instant-credit" target="_blank">Mobile Instant Credit (MIC)</a>—small digital loans that are primarily marketed and used for consumption—and airtime loans, which together comprised the first wave of credit digitization. As digital credit continues to evolve with new products like Buy-Now Pay-Later, overdraft facilities, and Pay-As-You-Go schemes, this report synthesizes research on MIC to generate insights that can inform digital credit-related policy more broadly.</p> <!-- THEME DEBUG --> <!-- THEME HOOK: 'filter_caption' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --> <figure role="group" class="caption caption-img align-center"><img alt="A small-business owner can be seen serving patrons in her restaurant in Nkhoma, Malawi. (© Bill &amp; Melinda Gates Foundation/Barbara Kinney)" data-entity-type="file" data-entity-uuid="e32c980d-121a-441f-b166-0afe151e6d27" src="/sites/default/files/inline-images/GA1281383_BK134294_0.jpg" width="1024" height="683" loading="lazy" /><figcaption>A small-business owner can be seen serving patrons in her restaurant in Nkhoma, Malawi. (© Bill &amp; Melinda Gates Foundation/Barbara Kinney)</figcaption></figure><!-- END OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --><p>The report’s main findings include:</p> <ul><li> <p><strong>The current evidence on MIC and airtime loans reveals modest improvements in subjective well-being for the average consumer.</strong> Most loans are small—the average loan was less than US$3 in half of the studies on the welfare effects of digital loans—which may limit how large the impacts can be. Although the majority of evidence indicates MIC has not affected financial outcomes, including resilience, consumption, and financial health, <a href="https://www.science.org/doi/10.1126/science.1232491">studies</a> that examined subjective <a href="https://www.povertyactionlab.org/evaluation/effects-universal-basic-income-during-covid-19-pandemic-kenya">well-being</a> found a positive impact. One research team speculated—with the caveat that more evidence is needed—that the ability to access resources in times of need can relax constraints that damage mental health, consistent with prior studies.</p> </li> <li> <p><strong>The absence of negative impacts contrasts with robust descriptive evidence on the diverse consumer harms associated with rapidly digitizing credit</strong>, including rising debt stress, price shrouding and overcharging, predatory collections, and fraud. The rapid digitization of finance in many regions of the world has revealed new and growing consumer protection risks. While digital credit does not appear, on average, to harm consumers’ financial health, ability to save, or overall spending, descriptive evidence from digital finance and mobile money, which underlies MIC and digital credit, reveals misconduct and other risks.</p> </li> <li> <p><strong>Upgrading consumer protection regimes is imperative given the increasing digitization of finance and credit. Fortunately, there are promising approaches to improve market monitoring and empower consumers. </strong>Despite existing challenges, a handful of causal studies and pilot interventions confirm the effectiveness and feasibility of interventions to address consumer protection concerns. New data sources and collection methods, along with advanced data analytics, suggest that a next-generation approach to market monitoring would enable regulators to move towards preventative interventions. Further, several interventions directly targeting consumer and provider behavior have empowered consumers in early evaluations, and may be effective if scaled up.</p> </li> </ul><h3><strong>Policy Insights</strong></h3> <p>Digital credit is growing and evolving rapidly, with providers increasingly using digital lending to offer more than just small consumer loans and targeting a wider array of sectors, from agricultural finance to e-commerce. The digital credit model has the potential to enable growth as reduced costs, faster underwriting, and better information on prospective borrowers may lead to more suitable and sustainable products, particularly in more productive parts of the economy. Evidence on Mobile Instant Credit and airtime loans is particularly informative for emergent forms of consumer-oriented digital credit, such as Buy-Now Pay-Later and overdraft products. However, the effectiveness of many forms of digital credit, particularly those focused on productive activities, remains unexplored, and regulatory frameworks are still being developed in many countries, leaving consumers at risk. More research is needed to understand who benefits from digital credit, and why.<br /><br /> There are also clear dangers to maintaining the status quo in unregulated or underregulated markets. Although causal studies have not found clear negative impacts of MIC and airtime loans, decision-makers should consider a broader set of evidence. Robust descriptive studies highlight diverse consumer protection challenges associated with digitizing credit, and there is evidence that the most vulnerable people are more susceptible to fraud and exploitation as they enter the formal financial system via digital credit. Though risks have grown, initial research on new market monitoring techniques and interventions to directly support consumers have shown promise and could pave the road to more proactive regulatory approaches.<br /><br /> Despite what remains unknown, there are reasons for optimism. Digitization has catalyzed rapid growth in financial inclusion, and addressing known policy issues now can be instructive for informing management and regulation of digital credit products more broadly, including the potential movement of digital credit into more productive parts of the economy. <a href="https://reports-cega.berkeley.edu/mobile-instant-credit-report/"><em>Mobile Instant Credit: Impacts, Challenges, and Lessons for Consumer Protection</em></a> gathers existing evidence on the relationship between the digitization of credit and development while clarifying the need for further research. Whether the next evolution of digital credit improves upon the first to provide less risky and more transformative solutions will depend on the evolution of commercial product design and public policy to monitor markets and protect consumers.</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-date paragraph--view-mode--default"> <div class="cb-date"> January 23, 2024 </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-lead-photo--rss.html.twig * field--node--rss--field-lead-photo--template-g-details-flex.html.twig * field--node--rss--field-lead-photo.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-lead-photo--template-g-details-flex.html.twig * field--node--field-lead-photo.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-lead-photo.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-lead-photo.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-lead-photo field--type-entity-reference-revisions field--label-above"> <div class="field__label">Lead Photo</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-image-caption--default.html.twig * paragraph--sub-cb30-image-caption.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_image_caption.html.twig' --> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_image_caption.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/10915" hreflang="en">Blogs</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * 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Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/6581" hreflang="en">Digital Finance</a></div> <div class="field__item"><a href="/taxonomy/term/6416" hreflang="en">Consumer Protection</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-author--rss.html.twig * field--node--rss--field-details-author--template-g-details-flex.html.twig * field--node--rss--field-details-author.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-author--template-g-details-flex.html.twig * field--node--field-details-author.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-author.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-author.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <div class="field field--name-field-details-author field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/ria-zapanta"> <div class="img" style="background-image: url('/sites/default/files/2024-03/Ria%20Zapanta.png')"> </div> <div class="meta"> <div class="name notranslate"> Arianna Zapanta </div> <div class="title"> Research Manager, Financial Inclusion </div> </div> </a> </div> <div class="ind"> <a href="/people/dan-cassara"> <div class="img" style="background-image: url('/sites/default/files/2024-01/Dan_Cassara.png')"> </div> <div class="meta"> <div class="name notranslate"> Dan Cassara </div> <div class="title"> Project Manager, CEGA </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-preview-image--rss.html.twig * field--node--rss--field-details-preview-image--template-g-details-flex.html.twig * field--node--rss--field-details-preview-image.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-preview-image--template-g-details-flex.html.twig * field--node--field-details-preview-image.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-preview-image.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-preview-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-preview-image field--type-image field--label-above"> <div class="field__label">Details Preview Image</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img loading="lazy" src="/sites/default/files/2024-01/unnamed.jpg" width="1600" height="1067" alt="A small-business owner can be seen serving patrons in her restaurant in Nkhoma, Malawi. (©Bill &amp; Melinda Gates Foundation/Barbara Kinney)" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-event-start-date--rss.html.twig * field--node--rss--field-event-start-date--template-g-details-flex.html.twig * field--node--rss--field-event-start-date.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-event-start-date--template-g-details-flex.html.twig * field--node--field-event-start-date.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-event-start-date.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-event-start-date.html.twig * field--datetime.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-event-start-date field--type-datetime field--label-above"> <div class="field__label">Event Start Date</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'time' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> <time datetime="2024-01-23T12:00:00Z" class="datetime">Tue, 01/23/2024 - 12:00</time> <!-- END OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-event-end-date--rss.html.twig * field--node--rss--field-event-end-date--template-g-details-flex.html.twig * field--node--rss--field-event-end-date.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-event-end-date--template-g-details-flex.html.twig * field--node--field-event-end-date.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-event-end-date.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-event-end-date.html.twig * field--datetime.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-event-end-date field--type-datetime field--label-above"> <div class="field__label">Event End Date</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'time' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> <time datetime="2024-01-23T12:00:00Z" class="datetime">Tue, 01/23/2024 - 12:00</time> <!-- END OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Fri, 19 Jan 2024 19:16:02 +0000 kvillanueva 53610 at https://poverty-action.org Can Interactive Mobile Phone Games Help Consumers Detect and Prevent Fraud in Uganda? https://poverty-action.org/study/can-interactive-mobile-phone-games-help-consumers-detect-and-prevent-fraud-uganda <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Can Interactive Mobile Phone Games Help Consumers Detect and Prevent Fraud in Uganda?</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" about="/user/5" typeof="schema:Person" property="schema:name" datatype="" content="mpodesta@poverty-action.org">mpodesta@pover…</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Mon, 11/27/2023 - 13:41</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p><strong>Researchers in Uganda partnered with Viamo to evaluate the impact of choose-your-own-adventure games delivered via Interactive Voice Recording (IVR) on fraud prevention capability, incidences of fraud, and reporting of fraud incidences among digital financial services users.</strong></p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>Although digital financial services (DFS) have enabled greater financial inclusion around the world, it has also increased the threat of loss from fraud. These financial scams may lead to both individual and social welfare loss and hinder further take-up and usage of DFS. Fraud issues are acute for consumers in Sub-Saharan Africa, especially in Uganda, where a nationally representative phone survey found that 47 percent of users experienced a third-party fraud attempt via phone or SMS between March and September 2020, with even higher rates when including fraud or fee overcharge from agents.<sup>1</sup></p> <p>Users who encounter or experience fraud can seek consumer redress with their providers, but these channels are often slow and only occur after the event has happened. In turn, many Ugandans who failed to resolve complaints through complaint channels were more likely to stop or reduce usage compared to those who resolved their complaints. While regulators and government agencies across contexts have used machine learning and other innovations to monitor fraud and complaints, evidence on their effectiveness is mixed, particularly for targeting fraud and forewarning customers. However, research suggests that consumer-side interventions such as financial education—whether delivered in person or over radio and television or via tablets—have significant positive effects on fraud literacy and future behavior when making transactions. Can mobile phones deliver effective fraud prevention communications?</p> <p>Researchers partnered with IPA and Viamo Uganda to evaluate the impact and scalability potential of choose-your-own-adventure games delivered via Interactive Voice Recording (IVR) on fraud prevention capability, incidences of fraud, and reporting of fraud incidences among consumers. Participants called into an existing information platform and played a narrative game. During this game, researchers examined how participants decided to recognize and respond to possible fraud attempts, earning points and unlocking levels as they progressed. Key messages on fraud were highlighted via heuristics, metaphors, or proverbs to make the content memorable and actionable for participants. Upon unlocking and completing all levels, participants received a financial reward.</p> <p>A total of 27,000 DFS users were randomly assigned to either play the narrative IVR game or serve as a comparison group. Among the users who played the narrative game, researchers randomly assigned them to either receive reinforcement messages or no messages. Researchers measured users’ fraud victimization and fraud prevention capability one month and seven months after the intervention. They also collected administrative data to compare use of fraud reporting and SIM verification tools.</p> <p>Results will be available in 2024.</p> <h2>Sources</h2> <p><sup>1.</sup> Mazer, R. &amp; Bird, M. (2021). Consumer Protection Survey of Digital Finance Users: Uganda", https://doi.org/10.7910/DVN/ROLCU4, Harvard Dataverse, V1</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><hr /><h1>Implementing Partner</h1> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--cb30-detail--default.html.twig x paragraph--cb30-detail.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--cb30-detail.html.twig' --> <div class="paragraph paragraph--type--cb30-detail paragraph--view-mode--default"> <section class="cb30"> <div class="frame"> <!-- <aside class="sidebar"> <div class="toggle accordion"> <a href="javascript:;" class=""> <span>In this Section</span> <svg width="50" height="50" viewBox="0 0 50 50" fill="none" xmlns="http://www.w3.org/2000/svg"> <circle cx="25" cy="25" r="25" transform="rotate(90 25 25)" fill="white"/> <path d="M24.4697 30.0568C24.7626 30.3497 25.2374 30.3497 25.5303 30.0568L30.3033 25.2839C30.5962 24.991 30.5962 24.5161 30.3033 24.2232C30.0104 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3.71907C4.69205 3.59258 2.48959 2.388 1.01428 0.552882C0.75672 1.00195 0.609656 1.52292 0.609656 2.07773C0.609656 3.12813 1.13722 4.05549 1.93985 4.59876C1.45041 4.58415 0.988599 4.44651 0.584756 4.2212V4.25811C0.584756 5.72644 1.61537 6.9514 2.98408 7.22861C2.73353 7.29973 2.46897 7.33549 2.19624 7.33549C2.00365 7.33549 1.81574 7.31704 1.63366 7.28166C2.01416 8.4847 3.11753 9.36093 4.42594 9.38438C3.4031 10.1972 2.11337 10.6816 0.713145 10.6816C0.471929 10.6816 0.233435 10.6678 0 10.6401C1.3228 11.4983 2.89499 12 4.58273 12C10.0821 12 13.0883 7.3847 13.0883 3.38112C13.0883 3.24924 13.086 3.11775 13.0809 2.98856C13.6649 2.5614 14.1723 2.02813 14.5714 1.42065C14.0361 1.66134 13.4595 1.82436 12.8549 1.89741C13.4723 1.52292 13.9462 0.929288 14.1695 0.221845C13.5914 0.568646 12.9526 0.820864 12.2698 0.955817Z" fill="#21212A"/> </svg> </a> </div> </div> <div class="cb-meta cb-det"> </div> </div> </aside> --> <div class="details-flex"> <!-- <div class="cb-tags"> --> <!-- <div class="tags-wrapper"> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> </div> --> <!-- <a href="/node//pdf" class="btn-black" target="_blank">View in PDF</a> --> <!-- </div> --> <!-- <div class="cb-title"> <h2>Cras ultricies mi eu turpis fusce convallis metus id felis </h2> </div> --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-cb30-flex-block--default.html.twig * field--paragraph--default--field-cb30-flex-block--cb30-detail.html.twig * field--paragraph--default--field-cb30-flex-block.html.twig * field--paragraph--default--cb30-detail.html.twig * field--paragraph--field-cb30-flex-block--cb30-detail.html.twig * field--paragraph--field-cb30-flex-block.html.twig * field--paragraph--cb30-detail.html.twig * field--default--field-cb30-flex-block.html.twig * field--default--cb30-detail.html.twig * field--default.html.twig * field--field-cb30-flex-block.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-cb30-flex-block field--type-entity-reference-revisions field--label-above"> <div class="field__label">CB30 Flex Block</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-donors--default.html.twig * paragraph--sub-cb30-donors.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_donors.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-donors paragraph--view-mode--default"> <div class="cb-donors"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-donor-repeater-block--default.html.twig * field--paragraph--default--field-donor-repeater-block--sub-cb30-donors.html.twig * field--paragraph--default--field-donor-repeater-block.html.twig * field--paragraph--default--sub-cb30-donors.html.twig * field--paragraph--field-donor-repeater-block--sub-cb30-donors.html.twig * field--paragraph--field-donor-repeater-block.html.twig * field--paragraph--sub-cb30-donors.html.twig * field--default--field-donor-repeater-block.html.twig * field--default--sub-cb30-donors.html.twig * field--default.html.twig x field--field-donor-repeater-block.html.twig * field--entity-reference-revisions.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-donor-repeater-block.html.twig' --> <div class="field field--name-field-donor-repeater-block field--type-entity-reference-revisions field--label-above"> <div class="field__label">Donor Repeater Block</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-donors-repeater--default.html.twig * paragraph--sub-donors-repeater.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_donors_repeater.html.twig' --> <div class="paragraph paragraph--type--sub-donors-repeater paragraph--view-mode--default"> <div class="imgs-wrapper"> <img src="/sites/default/files/2023-11/Viamo-Logo.jpg" alt="Viamo logo"> </div> <span> Viamo </span> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_donors_repeater.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-donor-repeater-block.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_donors.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> </div> </div> </section> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--cb30-detail.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-lead-photo--rss.html.twig * field--node--rss--field-lead-photo--template-g-details-flex.html.twig * field--node--rss--field-lead-photo.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-lead-photo--template-g-details-flex.html.twig * field--node--field-lead-photo.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-lead-photo.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-lead-photo.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-lead-photo field--type-entity-reference-revisions field--label-above"> <div class="field__label">Lead Photo</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-image-caption--default.html.twig * paragraph--sub-cb30-image-caption.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_image_caption.html.twig' --> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_image_caption.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/case-studies" hreflang="en">Case Study</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/1936" hreflang="en">Information &amp; Communications Technology (ICT)</a></div> <div class="field__item"><a href="/taxonomy/term/6416" hreflang="en">Consumer Protection</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/109" hreflang="en">Uganda</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-researchers--rss.html.twig * field--node--rss--field-details-researchers--template-g-details-flex.html.twig * field--node--rss--field-details-researchers.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-researchers--template-g-details-flex.html.twig * field--node--field-details-researchers.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-researchers.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-researchers.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <div class="field field--name-field-details-researchers field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/matthew-bird"> <div class="img" style="background-image: url('/sites/default/files/headshots/Matthew-Bird-Web.png')"> </div> <div class="meta"> <div class="name notranslate"> Matthew Bird </div> <div class="title"> Universidad del Pacífico </div> </div> </a> </div> <div class="ind"> <a href="/people/rafe-mazer"> <div class="img" style="background-image: url('/sites/default/files/headshots/rafe_mazer.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Rafe Mazer </div> <div class="title"> Fair Finance Consulting </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-study-status--rss.html.twig * field--node--rss--field-details-study-status--template-g-details-flex.html.twig * field--node--rss--field-details-study-status.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-study-status--template-g-details-flex.html.twig * field--node--field-details-study-status.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-study-status.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-study-status.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-study-status field--type-entity-reference field--label-above"> <div class="field__label">Details Study Status</div> <div class="field__item"><a href="/taxonomy/term/10964" hreflang="en">In Progress</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-study-type--rss.html.twig * field--node--rss--field-details-study-type--template-g-details-flex.html.twig * field--node--rss--field-details-study-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-study-type--template-g-details-flex.html.twig * field--node--field-details-study-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-study-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-study-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-study-type field--type-entity-reference field--label-above"> <div class="field__label">Details Study Type</div> <div class="field__item"><a href="/taxonomy/term/2271" hreflang="en">Randomized Evaluation</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-region--rss.html.twig * field--node--rss--field-details-region--template-g-details-flex.html.twig * field--node--rss--field-details-region.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-region--template-g-details-flex.html.twig * field--node--field-details-region.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-region.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-region.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-region field--type-entity-reference field--label-above"> <div class="field__label">Details Region</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/291" hreflang="en">East Africa</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-staff--rss.html.twig * field--node--rss--field-staff--template-g-details-flex.html.twig * field--node--rss--field-staff.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-staff--template-g-details-flex.html.twig * field--node--field-staff.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-staff.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-staff.html.twig * field--entity-reference-revisions.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <div class="field field--name-field-staff field--type-entity-reference-revisions field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/anthony-kamwesigye"> <div class="img" style="background-image: url('/sites/default/files/headshots/Anthony-Kamwesigye-Web_0.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Anthony Kamwesigye </div> <div class="title"> Associate Research Manager </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sample-size--rss.html.twig * field--node--rss--field-sample-size--template-g-details-flex.html.twig * field--node--rss--field-sample-size.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-sample-size--template-g-details-flex.html.twig * field--node--field-sample-size.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-sample-size.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-sample-size.html.twig * field--string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-sample-size field--type-string field--label-above"> <div class="field__label">Sample Size</div> <div class="field__item">27,000 digital financial services users</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-timeline--rss.html.twig * field--node--rss--field-timeline--template-g-details-flex.html.twig * field--node--rss--field-timeline.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-timeline--template-g-details-flex.html.twig * field--node--field-timeline.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-timeline.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-timeline.html.twig * field--string-long.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-timeline field--type-string-long field--label-above"> <div class="field__label">Timeline</div> <div class="field__item">2023</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Mon, 27 Nov 2023 18:41:05 +0000 mpodesta@poverty-action.org 53515 at https://poverty-action.org Can Rating Mobile Financial Services Providers Reduce Overcharging Practices in Bangladesh and Uganda? https://poverty-action.org/study/can-rating-mobile-financial-services-providers-reduce-overcharging-practices-bangladesh-and <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Can Rating Mobile Financial Services Providers Reduce Overcharging Practices in Bangladesh and Uganda?</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" about="/user/5" typeof="schema:Person" property="schema:name" datatype="" content="mpodesta@poverty-action.org">mpodesta@pover…</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Fri, 11/17/2023 - 10:38</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p><strong>Funded by IPA’s Consumer Protection Research Initiative and in collaboration with POKET, Youth Policy Forum, and Network for Active Citizens, researchers in Bangladesh and Uganda evaluated the cost-effectiveness of real-time crowd-sourced data to identify and address overcharging by mobile financial services providers.</strong></p></div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>Mobile financial services (MFS) have spread rapidly in low- and middle-income countries, with account ownership increasing by 8 percentage points on average between 2017 and 2021.<sup>1</sup> In Bangladesh and Uganda, about 29 percent and 53 percent of individuals above the age of 15 had a mobile money account as of 2021.<sup>2</sup> This marks a substantial increase from 2014 when less than 3 percent and 35 percent of the same population had accounts. While many previous unbanked people now had access to financial services, it also created opportunities for dishonest agents to overcharge vulnerable populations.</p> <p>According to recent studies completed by IPA, overcharging consumers for digital financial transactions is common. For instance, IPA’s <a href="https://poverty-action.org/transaction-cost-index">Transaction Cost Index study</a> found that in Bangladesh, five percent of transactions are subject to overcharging and that cash-out services are the most commonly overcharged transaction type. Moreover, in Uganda, 19 percent of transactions are subject to overcharging, with similar rates in urban and rural areas.</p> <p>Researchers partnered with POKET in Bangladesh and Uganda to evaluate the cost-effectiveness of real-time crowd-sourced data to identify and address overcharging by mobile financial services providers. Volunteers from Youth Policy Forum in Bangladesh and from Network for Active Citizens in Uganda were trained in how to conduct mystery shopping—visiting vendors to assess customer service—using a crowdsourcing app developed by POKET, then registered mobile money agents in specific neighborhoods. They collected transaction data from agents, conducted interviews with acquaintances, and recruited additional volunteers. Next, researchers trained newly recruited volunteers and then randomly assigned them to either receive cash incentives for every referral they recruited and data entered on financial transactions from mobile money agents or receive no cash incentives. </p> <p>To assess the credibility of the crowdsourced data collected by volunteers, researchers employed professional mystery shoppers to use the POKET app and visit and collect financial transaction data from the registered mobile money agents.</p> <p>Results will be available in 2024.</p> <h2>Sources</h2> <p><sup>1,2.</sup> World Bank Group. “Report: Global Findex Report 2021.” World Bank, November 18, 2022. https://www.worldbank.org/en/publication/globalfindex/Report. </p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><hr /><h1>Implementing Partners</h1> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--cb30-detail--default.html.twig x paragraph--cb30-detail.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--cb30-detail.html.twig' --> <div 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fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M2.25 4.66667H0.5V7H2.25V14H5.16667V7H7.29117L7.5 4.66667H5.16667V3.69425C5.16667 3.13717 5.27867 2.91667 5.81708 2.91667H7.5V0H5.27867C3.181 0 2.25 0.923416 2.25 2.69208V4.66667Z" fill="#21212A"/> </svg> </a> <a href="#"> <svg width="15" height="12" viewBox="0 0 15 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.2698 0.955817C11.7259 0.367563 10.9485 0 10.0879 0C8.4383 0 7.09955 1.35644 7.09955 3.02932C7.09955 3.26693 7.12523 3.49723 7.17658 3.71907C4.69205 3.59258 2.48959 2.388 1.01428 0.552882C0.75672 1.00195 0.609656 1.52292 0.609656 2.07773C0.609656 3.12813 1.13722 4.05549 1.93985 4.59876C1.45041 4.58415 0.988599 4.44651 0.584756 4.2212V4.25811C0.584756 5.72644 1.61537 6.9514 2.98408 7.22861C2.73353 7.29973 2.46897 7.33549 2.19624 7.33549C2.00365 7.33549 1.81574 7.31704 1.63366 7.28166C2.01416 8.4847 3.11753 9.36093 4.42594 9.38438C3.4031 10.1972 2.11337 10.6816 0.713145 10.6816C0.471929 10.6816 0.233435 10.6678 0 10.6401C1.3228 11.4983 2.89499 12 4.58273 12C10.0821 12 13.0883 7.3847 13.0883 3.38112C13.0883 3.24924 13.086 3.11775 13.0809 2.98856C13.6649 2.5614 14.1723 2.02813 14.5714 1.42065C14.0361 1.66134 13.4595 1.82436 12.8549 1.89741C13.4723 1.52292 13.9462 0.929288 14.1695 0.221845C13.5914 0.568646 12.9526 0.820864 12.2698 0.955817Z" fill="#21212A"/> </svg> </a> </div> </div> <div class="cb-meta cb-det"> </div> </div> </aside> --> <div class="details-flex"> <!-- <div class="cb-tags"> --> <!-- <div class="tags-wrapper"> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> </div> --> <!-- <a href="/node//pdf" class="btn-black" target="_blank">View in PDF</a> --> <!-- </div> --> <!-- <div class="cb-title"> <h2>Cras ultricies mi eu turpis fusce convallis metus id felis </h2> </div> --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-cb30-flex-block--default.html.twig * field--paragraph--default--field-cb30-flex-block--cb30-detail.html.twig * field--paragraph--default--field-cb30-flex-block.html.twig * field--paragraph--default--cb30-detail.html.twig * field--paragraph--field-cb30-flex-block--cb30-detail.html.twig * field--paragraph--field-cb30-flex-block.html.twig * field--paragraph--cb30-detail.html.twig * field--default--field-cb30-flex-block.html.twig * field--default--cb30-detail.html.twig * field--default.html.twig * field--field-cb30-flex-block.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-cb30-flex-block field--type-entity-reference-revisions field--label-above"> <div class="field__label">CB30 Flex Block</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-donors--default.html.twig * paragraph--sub-cb30-donors.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_donors.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-donors paragraph--view-mode--default"> <div class="cb-donors"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-donor-repeater-block--default.html.twig * field--paragraph--default--field-donor-repeater-block--sub-cb30-donors.html.twig * field--paragraph--default--field-donor-repeater-block.html.twig * field--paragraph--default--sub-cb30-donors.html.twig * field--paragraph--field-donor-repeater-block--sub-cb30-donors.html.twig * field--paragraph--field-donor-repeater-block.html.twig * field--paragraph--sub-cb30-donors.html.twig * field--default--field-donor-repeater-block.html.twig * field--default--sub-cb30-donors.html.twig * field--default.html.twig x field--field-donor-repeater-block.html.twig * field--entity-reference-revisions.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-donor-repeater-block.html.twig' --> <div class="field field--name-field-donor-repeater-block field--type-entity-reference-revisions field--label-above"> <div class="field__label">Donor Repeater Block</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-donors-repeater--default.html.twig * paragraph--sub-donors-repeater.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_donors_repeater.html.twig' --> <div class="paragraph paragraph--type--sub-donors-repeater paragraph--view-mode--default"> <div class="imgs-wrapper"> <img src="/sites/default/files/2023-11/download_0.jpg" alt="Youth Policy Forum"> </div> <span> Youth Policy Forum </span> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_donors_repeater.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-donors-repeater--default.html.twig * paragraph--sub-donors-repeater.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_donors_repeater.html.twig' --> <div class="paragraph paragraph--type--sub-donors-repeater paragraph--view-mode--default"> <div class="imgs-wrapper"> <img src="/sites/default/files/2023-11/unnamed.png" alt="POKET"> </div> <span> POKET </span> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_donors_repeater.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-donors-repeater--default.html.twig * paragraph--sub-donors-repeater.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_donors_repeater.html.twig' --> <div class="paragraph paragraph--type--sub-donors-repeater paragraph--view-mode--default"> <div class="imgs-wrapper"> <img src="/sites/default/files/2023-11/download.jpg" alt="Network for Active Citizens"> </div> <span> Network for Active Citizens </span> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_donors_repeater.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-donor-repeater-block.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_donors.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> </div> </div> </section> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--cb30-detail.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-lead-photo--rss.html.twig * field--node--rss--field-lead-photo--template-g-details-flex.html.twig * field--node--rss--field-lead-photo.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-lead-photo--template-g-details-flex.html.twig * field--node--field-lead-photo.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-lead-photo.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-lead-photo.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-lead-photo field--type-entity-reference-revisions field--label-above"> <div class="field__label">Lead Photo</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-image-caption--default.html.twig * paragraph--sub-cb30-image-caption.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_image_caption.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-image-caption paragraph--view-mode--default"> <div class="cb-image-caption"> <div> <img src="/sites/default/files/2023-11/c6d0a0a3-0556-4205-abfe-298cadbd721a.jpg" alt="Photo of roadside mobile money vendors in Uganda"> </div> <figcaption> <span>In This Image</span> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-image-caption--default.html.twig * field--paragraph--default--field-sub-image-caption--sub-cb30-image-caption.html.twig * field--paragraph--default--field-sub-image-caption.html.twig * field--paragraph--default--sub-cb30-image-caption.html.twig * field--paragraph--field-sub-image-caption--sub-cb30-image-caption.html.twig * field--paragraph--field-sub-image-caption.html.twig * field--paragraph--sub-cb30-image-caption.html.twig * field--default--field-sub-image-caption.html.twig * field--default--sub-cb30-image-caption.html.twig * field--default.html.twig * field--field-sub-image-caption.html.twig * field--string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-sub-image-caption field--type-string field--label-above"> <div class="field__label">Sub Image Caption</div> <div class="field__item">Photo of roadside mobile money vendors in Uganda ©Abu Shonchoy 2023</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> </figcaption> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_image_caption.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/case-studies" hreflang="en">Case Study</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/6416" hreflang="en">Consumer Protection</a></div> <div class="field__item"><a href="/taxonomy/term/2036" hreflang="en">Transparency &amp; Accountability</a></div> <div class="field__item"><a href="/taxonomy/term/6581" hreflang="en">Digital Finance</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/43" hreflang="en">Bangladesh</a></div> <div class="field__item"><a href="/taxonomy/term/109" hreflang="en">Uganda</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-researchers--rss.html.twig * field--node--rss--field-details-researchers--template-g-details-flex.html.twig * field--node--rss--field-details-researchers.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-researchers--template-g-details-flex.html.twig * field--node--field-details-researchers.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-researchers.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-researchers.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <div class="field field--name-field-details-researchers field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/abu-shonchoy"> <div class="img" style="background-image: url('/sites/default/files/headshots/Abu-S-Shonchoy.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Abu S. Shonchoy </div> <div class="title"> Florida International University </div> </div> </a> </div> <div class="ind"> <a href="/people/tomoki-fujii"> <div class="img" style="background-image: url('/sites/default/files/headshots/Tomoki-Fujii.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Tomoki Fujii </div> <div class="title"> Singapore Management University </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-study-status--rss.html.twig * field--node--rss--field-details-study-status--template-g-details-flex.html.twig * field--node--rss--field-details-study-status.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-study-status--template-g-details-flex.html.twig * field--node--field-details-study-status.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-study-status.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-study-status.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-study-status field--type-entity-reference field--label-above"> <div class="field__label">Details Study Status</div> <div class="field__item"><a href="/taxonomy/term/10964" hreflang="en">In Progress</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-study-type--rss.html.twig * field--node--rss--field-details-study-type--template-g-details-flex.html.twig * field--node--rss--field-details-study-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-study-type--template-g-details-flex.html.twig * field--node--field-details-study-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-study-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-study-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-study-type field--type-entity-reference field--label-above"> <div class="field__label">Details Study Type</div> <div class="field__item"><a href="/taxonomy/term/2296" hreflang="en">Other</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-region--rss.html.twig * field--node--rss--field-details-region--template-g-details-flex.html.twig * field--node--rss--field-details-region.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-region--template-g-details-flex.html.twig * field--node--field-details-region.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-region.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-region.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-region field--type-entity-reference field--label-above"> <div class="field__label">Details Region</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/301" hreflang="en">Asia and Oceania</a></div> <div class="field__item"><a href="/taxonomy/term/291" hreflang="en">East Africa</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-preview-image--rss.html.twig * field--node--rss--field-details-preview-image--template-g-details-flex.html.twig * field--node--rss--field-details-preview-image.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-preview-image--template-g-details-flex.html.twig * field--node--field-details-preview-image.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-preview-image.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-preview-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-preview-image field--type-image field--label-above"> <div class="field__label">Details Preview Image</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img loading="lazy" src="/sites/default/files/2023-11/c6d0a0a3-0556-4205-abfe-298cadbd721a_0.jpg" width="1536" height="2048" alt="Photo of roadside mobile money vendors in Uganda" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-staff--rss.html.twig * field--node--rss--field-staff--template-g-details-flex.html.twig * field--node--rss--field-staff.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-staff--template-g-details-flex.html.twig * field--node--field-staff.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-staff.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-staff.html.twig * field--entity-reference-revisions.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <div class="field field--name-field-staff field--type-entity-reference-revisions field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/aziz-buyinza-0"> <div class="img" style="background-image: url('/sites/default/files/headshots/Aziz-Buyinza.jpg-updated.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Aziz Buyinza </div> <div class="title"> Senior Research Associate </div> </div> </a> </div> <div class="ind"> <a href="/people/kyu-khin-gar"> <div class="img" style="background-image: url('/sites/default/files/headshots/Khu-Khin-Gar.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Kyu Khin Gar </div> <div class="title"> Senior Research Manager </div> </div> </a> </div> <div class="ind"> <a href="/people/anthony-kamwesigye"> <div class="img" style="background-image: url('/sites/default/files/headshots/Anthony-Kamwesigye-Web_0.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Anthony Kamwesigye </div> <div class="title"> Associate Research Manager </div> </div> </a> </div> <div class="ind"> <a href="/people/lauren-perlik"> <div class="img" style="background-image: url('/sites/default/files/headshots/Lauren-Perlik-Web.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Lauren Perlik </div> <div class="title"> Senior Program Associate </div> </div> </a> </div> <div class="ind"> <a href="/people/jerin-tasnim-0"> <div class="meta"> <div class="name notranslate"> Jerin Tasnim </div> <div class="title"> Associate Research Analyst </div> </div> </a> </div> <div class="ind"> <a href="/people/ria-zapanta"> <div class="img" style="background-image: url('/sites/default/files/headshots/azapanta_pic.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Ria Zapanta </div> <div class="title"> Research Manager </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sample-size--rss.html.twig * field--node--rss--field-sample-size--template-g-details-flex.html.twig * field--node--rss--field-sample-size.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-sample-size--template-g-details-flex.html.twig * field--node--field-sample-size.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-sample-size.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-sample-size.html.twig * field--string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-sample-size field--type-string field--label-above"> <div class="field__label">Sample Size</div> <div class="field__item">~4800 volunteer mystery shoppers in Bangladesh and Uganda</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-timeline--rss.html.twig * field--node--rss--field-timeline--template-g-details-flex.html.twig * field--node--rss--field-timeline.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-timeline--template-g-details-flex.html.twig * field--node--field-timeline.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-timeline.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-timeline.html.twig * field--string-long.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-timeline field--type-string-long field--label-above"> <div class="field__label">Timeline</div> <div class="field__item">2023</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Fri, 17 Nov 2023 15:38:43 +0000 mpodesta@poverty-action.org 53508 at https://poverty-action.org Uncovering the True Costs of Mobile Money Services https://poverty-action.org/blog/uncovering-true-costs-mobile-money-services <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Uncovering the True Costs of Mobile Money Services</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" about="/user/10" typeof="schema:Person" property="schema:name" datatype="" content="mread@poverty-action.org">mread@poverty-…</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Thu, 09/21/2023 - 11:18</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>When Musa* first got a job in Dar es Salaam, Tanzania’s commercial capital, he would send money home by filling an envelope with cash and handing it to a bus driver headed towards his family’s rural home. Musa’s family would walk to the nearest bus stand and—if everything went according to plan—receive the cash when the bus arrived.</p> <p>Things are easier now. Today, Musa can instantly send money right from his phone using mobile money, and his family can withdraw the cash using agents conveniently located nearby. Mobile money has dramatically altered how money is moved in many low- and middle-income countries (LMICs), allowing individuals to take higher-paying jobs in urban centers while easily remitting money back home, just one of the many ways that mobile money can lead to reductions in poverty.<sup>1</sup></p> <p>However, mobile money has a dirty little secret: while high-income countries have free or low-cost digital money transfer services like PayPal or Venmo, mobile money transactions in LMICs can be staggeringly expensive. When Musa sends 10,000 Tanzanian shillings home ($4, a typical transaction value in Tanzania), he pays 350 shillings and his family pays 1,552 to withdraw the funds.<sup>2</sup><strong>In total, Musa and his family lose 19 percent of the transfer amount to fees and taxes.</strong> These costs create a significant financial burden for low-income consumers and hamper the growth of a potentially transformative product.</p> <!-- THEME DEBUG --> <!-- THEME HOOK: 'filter_caption' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --> <figure role="group" class="caption caption-img"><img alt="Photo by Sayma Islam" data-entity-type="file" data-entity-uuid="c57b388a-3b62-4c91-b502-4e4b2469eb8f" src="/sites/default/files/inline-images/16024489237_6649da499f_o%20%281%29_0.jpeg" width="1280" height="693" loading="lazy" /><figcaption>Woman farmer receiving mobile money on her phone, at USAID mSTAR workshop. Photo by Sayma Islam, Research Assistant, WorldFish</figcaption></figure><!-- END OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --><p>To measure the costs that Musa—and consumers like him across many LMICs—incur when using mobile money, Innovations for Poverty Action created the “<strong><a href="/transaction-cost-index" target="_blank">Transaction Cost Index</a></strong>.” <strong>Results from the first year of IPA’s research on transaction costs were just published, including a comparison of prices across 16 countries in Africa, Latin America, and Asia, supplemented by fieldwork that explores hidden costs in Bangladesh, Tanzania, and Uganda.</strong> A <strong><a href="/transaction-cost-index-year-1-comparative-report" target="_blank">new report</a></strong> lays out our findings, including comparisons of key costs in different countries and practical tradeoffs between data collection methods. Country briefs summarize costs and provide descriptive mobile money market data for the markets where we conducted fieldwork: <strong><a href="/measuring-true-cost-digital-financial-services-bangladesh" target="_blank">Bangladesh</a></strong>, <strong><a href="/measuring-true-cost-digital-financial-services-tanzania" target="_blank">Tanzania</a></strong>, and <strong><a href="/measuring-true-cost-digital-financial-services-uganda" target="_blank">Uganda</a></strong>. The report’s main findings include:</p> <h3>Prices vary considerably (if you can find them)</h3> <p>Depending on where Musa and his family live, the prices they pay for financial services would vary quite significantly; the same transfer that cost Musa and his family 19 percent of the transfer amount in Tanzania would be free in Colombia. We scraped pricing data from mobile money providers’ websites in 16 countries, allowing for comparison of fees and taxes. In most countries, consumers can deposit money into their accounts (“cash-in”) for free, but withdrawing (“cash-out”) can be quite expensive, with significant country variation. Off-network transfers—sending money between different mobile money providers’ accounts—are not universally available, and tend to be more expensive than transferring funds between accounts at a single provider (“on-network transfers”).</p> <h3>Fees as a percentage of transaction amount</h3> <p><em>Fees are displayed by country and transaction type. Where available, total fees are separated into direct provider fees and government taxes.<sup>3</sup></em></p> <p><img alt="Fees as a percentage of transaction amount" data-entity-type="file" data-entity-uuid="46904642-a8c5-4544-b9d6-7d79bafc5be4" src="/sites/default/files/inline-images/Screen%20Shot%202023-09-21%20at%2012.10.32%20PM.png" width="1428" height="648" loading="lazy" /></p> <p>We also measured how easy (or difficult) it is for consumers to see providers’ prices. While 86 percent of providers posted their prices online, 40 percent did not provide a link to their price list on their homepage.</p> <h3>Costs go beyond what’s listed on price sheets</h3> <p>When Musa’s family withdraws the cash they’ve been sent, they are likely to face additional costs beyond official provider fees, including informal extra fees charged by agents and difficulty in completing transactions successfully.</p> <p>In Bangladesh, Tanzania, and Uganda, we monitored for these types of hidden costs by conducting intercept surveys of consumers outside agent locations and carrying out “mystery shopping” visits where enumerators or local consumers conducted real transactions with agents and then recorded key outcomes, including whether the transaction was completed and what fees were paid.</p> <p>When consumers like Musa use agents to withdraw funds from their mobile money wallets in Tanzania, they have a 19 percent chance of being charged extra, unofficial fees. We recorded overcharging on 18 percent of withdrawals in Bangladesh and 11 percent of withdrawals in Uganda. Additionally, agent locations are not consistently staffed, with agents recorded as absent about a quarter of the time in Tanzania. Even when they are present, 12 percent of attempted transactions are not successful (most commonly because agents lack the funds to complete the transaction). In total, about one-third of agent visits do not result in a completed transaction, meaning consumers’ time is often wasted as they reattempt transactions at alternate times or with different agents. The story is similar in Bangladesh and Uganda, where 28 and 39 percent of attempted transactions did not succeed, respectively (including cases where the agent was absent and when transactions failed).</p> <p>In fact, the time associated with making successful transactions is several times larger than the direct financial costs of those transactions, when agent presence and transaction failures are taken into account. This suggests that improving agent presence and transaction reliability could be important ways to reduce the non-financial costs of transactions.</p> <p><img alt="Average costs across countries" data-entity-type="file" data-entity-uuid="17e564bf-ecc2-47dc-b583-f9f5d1cceb55" src="/sites/default/files/inline-images/tci-blog_table.png" width="1535" height="449" loading="lazy" /></p> <h3>Diving deeper and looking toward the future</h3> <p>Our <strong><a href="/transaction-cost-index-year-1-comparative-report" target="_blank">report</a></strong> covers all this in greater depth, plus much more: a comparison of methods used to measure hidden consumer costs, disaggregation of results by gender and geography, and a review of regulatory policies related to mobile money pricing. We’ve also created an <strong><a href="/transaction-cost-index#dashboard" target="_blank">interactive dashboard</a></strong> that allows you to explore provider prices in detail and <a href="https://dataverse.harvard.edu/dataset.xhtml?persistentId=doi:10.7910/DVN/ESPXFK" target="_blank">published our data</a> for those who want to do an even deeper dive into our results. We’ll be hosting a <strong>webinar</strong> on September 28 to discuss these findings and their policy implications—<a href="https://poverty-action.zoom.us/webinar/register/WN_Ga-7ItoORZKOMViHPRX6EQ#/" target="_blank">register here</a>! Stay tuned in the coming months for additional blogs that will look more closely at some of our most interesting findings.</p> <p>Ultimately, we hope this work serves as a launching pad for a larger effort in a broader set of countries to systematically measure the costs consumers face when using digital financial services, and we’re excited to share what we’ve learned about how to measure these costs effectively. Do you want to know how mobile money costs stack up in your country? Do you have ideas on how these costs should be measured, or how to make mobile money more affordable? We’d love to <a href="mailto:financialinclusion@poverty-action.org" target="_blank">hear from you</a>!</p> <hr /><p style="line-height:1.2"><span style="font-size:10pt; font-variant:normal; white-space:pre-wrap"><span style="font-family:Arial,sans-serif"><span style="color:#000000"><span style="font-weight:400"><span style="font-style:normal"><span style="text-decoration:none">* A fictional character representing the experience of many consumers in Tanzania.</span></span></span></span></span></span></p> <p style="line-height: 1.2;"><span style="font-size:10pt; font-variant:normal; white-space:pre-wrap"><span style="font-family:Arial,sans-serif"><span style="color:#000000"><span style="font-weight:400"><span style="font-style:normal"><span style="text-decoration:none">1. See for example this </span></span></span></span></span></span><a href="https://voxdev.org/sites/default/files/Mobile_Money_Issue_1.pdf" style="text-decoration:none" target="_blank"><span style="font-size:10pt; font-variant:normal; white-space:pre-wrap"><span style="font-family:Arial,sans-serif"><span style="color:#1155cc"><span style="font-weight:400"><span style="font-style:normal"><span style="text-decoration:underline"><span style="-webkit-text-decoration-skip:none"><span style="text-decoration-skip-ink:none">VoxDevLit review</span></span></span></span></span></span></span></span></a><span style="font-size:10pt; font-variant:normal; white-space:pre-wrap"><span style="font-family:Arial,sans-serif"><span style="color:#000000"><span style="font-weight:400"><span style="font-style:normal"><span style="text-decoration:none">.</span></span></span></span></span></span><br /><span style="font-size:10pt; font-variant:normal; white-space:pre-wrap"><span style="font-family:Arial,sans-serif"><span style="color:#000000"><span style="font-weight:400"><span style="font-style:normal"><span style="text-decoration:none">2. M-Pesa, Tanzania’s largest mobile money provider, lists their fees </span></span></span></span></span></span><a href="https://myvodacom.vodacom.co.tz/assets/myvodacom/downloadFile/1691319178035.PDF" style="text-decoration:none" target="_blank"><span style="font-size:10pt; font-variant:normal; white-space:pre-wrap"><span style="font-family:Arial,sans-serif"><span style="color:#1155cc"><span style="font-weight:400"><span style="font-style:normal"><span style="text-decoration:underline"><span style="-webkit-text-decoration-skip:none"><span style="text-decoration-skip-ink:none">here</span></span></span></span></span></span></span></span></a><span style="font-size:10pt; font-variant:normal; white-space:pre-wrap"><span style="font-family:Arial,sans-serif"><span style="color:#000000"><span style="font-weight:400"><span style="font-style:normal"><span style="text-decoration:none">.</span></span></span></span></span></span><br /><span style="font-size:10pt; font-variant:normal; white-space:pre-wrap"><span style="font-family:Arial,sans-serif"><span style="color:#000000"><span style="font-weight:400"><span style="font-style:normal"><span style="text-decoration:none">3. Fees are as of December 2022. Changes since then (including reductions in Tanzania’s mobile money levy) are not reflected here. Fees are a weighted average across major providers in each country at transaction values that roughly approximate the median transaction size in the country.</span></span></span></span></span></span></p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-date paragraph--view-mode--default"> <div class="cb-date"> September 21, 2023 </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/10915" hreflang="en">Blogs</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * 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field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/6581" hreflang="en">Digital Finance</a></div> <div class="field__item"><a href="/taxonomy/term/6416" hreflang="en">Consumer Protection</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/109" hreflang="en">Uganda</a></div> <div class="field__item"><a href="/taxonomy/term/104" hreflang="en">Tanzania</a></div> <div class="field__item"><a href="/taxonomy/term/43" hreflang="en">Bangladesh</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-author--rss.html.twig * field--node--rss--field-details-author--template-g-details-flex.html.twig * field--node--rss--field-details-author.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-author--template-g-details-flex.html.twig * field--node--field-details-author.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-author.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-author.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <div class="field field--name-field-details-author field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/william-blackmon"> <div class="img" style="background-image: url('/sites/default/files/2024-03/William-Blackmon.png')"> </div> <div class="meta"> <div class="name notranslate"> William Blackmon </div> <div class="title"> Senior Research Manager, Financial Inclusion </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-preview-image--rss.html.twig * field--node--rss--field-details-preview-image--template-g-details-flex.html.twig * field--node--rss--field-details-preview-image.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-preview-image--template-g-details-flex.html.twig * 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height="693" alt="Photo by Sayma Islam" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Thu, 21 Sep 2023 15:18:41 +0000 mread@poverty-action.org 53439 at https://poverty-action.org Measuring the True Cost of Digital Financial Services in Uganda https://poverty-action.org/publication/measuring-true-cost-digital-financial-services-uganda <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * 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field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Wed, 09/20/2023 - 16:33</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 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field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--cb30-detail--default.html.twig x paragraph--cb30-detail.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--cb30-detail.html.twig' --> <div class="paragraph paragraph--type--cb30-detail paragraph--view-mode--default"> <section class="cb30"> <div class="frame"> <!-- <aside class="sidebar"> <div class="toggle accordion"> <a href="javascript:;" class=""> <span>In this Section</span> <svg width="50" height="50" viewBox="0 0 50 50" fill="none" xmlns="http://www.w3.org/2000/svg"> <circle cx="25" cy="25" r="25" transform="rotate(90 25 25)" fill="white"/> <path d="M24.4697 30.0568C24.7626 30.3497 25.2374 30.3497 25.5303 30.0568L30.3033 25.2839C30.5962 24.991 30.5962 24.5161 30.3033 24.2232C30.0104 23.9303 29.5355 23.9303 29.2426 24.2232L25 28.4659L20.7574 24.2232C20.4645 23.9303 19.9896 23.9303 19.6967 24.2232C19.4038 24.5161 19.4038 24.991 19.6967 25.2839L24.4697 30.0568ZM24.25 28.4141L24.25 29.5265L25.75 29.5265L25.75 28.4141L24.25 28.4141Z" fill="#21212A"/> </svg> </a> </div> <div class="inner"> <div class="cb-share cb-det"> <span>Share</span> <div class="social"> <a href="#"> <svg width="8" height="14" viewBox="0 0 8 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M2.25 4.66667H0.5V7H2.25V14H5.16667V7H7.29117L7.5 4.66667H5.16667V3.69425C5.16667 3.13717 5.27867 2.91667 5.81708 2.91667H7.5V0H5.27867C3.181 0 2.25 0.923416 2.25 2.69208V4.66667Z" fill="#21212A"/> </svg> </a> <a href="#"> <svg width="15" height="12" viewBox="0 0 15 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.2698 0.955817C11.7259 0.367563 10.9485 0 10.0879 0C8.4383 0 7.09955 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class="details-flex"> <!-- <div class="cb-tags"> --> <!-- <div class="tags-wrapper"> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> <a href="#" class="link-stnd ">Lorem Ipsum</a> </div> --> <!-- <a href="/node//pdf" class="btn-black" target="_blank">View in PDF</a> --> <!-- </div> --> <!-- <div class="cb-title"> <h2>Cras ultricies mi eu turpis fusce convallis metus id felis </h2> </div> --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-cb30-flex-block--default.html.twig * field--paragraph--default--field-cb30-flex-block--cb30-detail.html.twig * field--paragraph--default--field-cb30-flex-block.html.twig * field--paragraph--default--cb30-detail.html.twig * field--paragraph--field-cb30-flex-block--cb30-detail.html.twig * field--paragraph--field-cb30-flex-block.html.twig * field--paragraph--cb30-detail.html.twig * field--default--field-cb30-flex-block.html.twig * field--default--cb30-detail.html.twig * field--default.html.twig * field--field-cb30-flex-block.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-cb30-flex-block field--type-entity-reference-revisions field--label-above"> <div class="field__label">CB30 Flex Block</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p><a href="/sites/default/files/2023-09/IPA-Brief-Measuring-the-True-Cost-of-Digital-Financial-Services-in-Uganda-Updated.pdf" target="_blank">This brief</a> provides an overview of findings focused on Uganda from the first year of data collection from <a href="/transaction-cost-index" target="_blank">IPA's Transaction Cost Index (TCI)</a>.</p> <p>Read more about the full Year 1 findings (including in Bangladesh and Tanzania) in the <a href="/transaction-cost-index-year-1-comparative-report" target="_blank">Year 1 Comparative Report</a>.</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> </div> </div> </section> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--cb30-detail.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/publications" hreflang="en">Publications</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/6416" hreflang="en">Consumer Protection</a></div> <div class="field__item"><a href="/taxonomy/term/6581" hreflang="en">Digital Finance</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/43" hreflang="en">Bangladesh</a></div> <div class="field__item"><a href="/taxonomy/term/104" hreflang="en">Tanzania</a></div> <div class="field__item"><a href="/taxonomy/term/109" hreflang="en">Uganda</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-publication-type--rss.html.twig * field--node--rss--field-details-publication-type--template-g-details-flex.html.twig * field--node--rss--field-details-publication-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-publication-type--template-g-details-flex.html.twig * field--node--field-details-publication-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-publication-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-publication-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-publication-type field--type-entity-reference field--label-above"> <div class="field__label">Details Publication Type</div> <div class="field__item"><a href="/taxonomy/term/16" hreflang="en">Brief</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-file--rss.html.twig * field--node--rss--field-file--template-g-details-flex.html.twig * field--node--rss--field-file.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-file--template-g-details-flex.html.twig * field--node--field-file.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-file.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-file.html.twig * field--file.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-file field--type-file field--label-above"> <div class="field__label">File</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'pdfpreview_formatter' --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/pdfpreview-formatter.html.twig' --> <div class="pdfpreview" id="pdfpreview-754642"> <div class="pdfpreview-image-wrapper"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <a href="/sites/default/files/2023-09/IPA-Brief-Measuring-the-True-Cost-of-Digital-Financial-Services-in-Uganda-Updated.pdf"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_style' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-style.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img alt="Download Brief" title="Download Brief" class="pdfpreview-file image-style-large" src="/sites/default/files/styles/large/public/pdfpreview/754642-IPA-Brief-Measuring-the-True-Cost-of-Digital-Financial-Services-in-Uganda-Updated.png?itok=o810el_Z" width="371" height="480" loading="lazy" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-style.html.twig' --> </a> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> <span class="pdfpreview-image-description"><a href="/sites/default/files/2023-09/IPA-Brief-Measuring-the-True-Cost-of-Digital-Financial-Services-in-Uganda-Updated.pdf">Download Brief</a></span> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/pdfpreview-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Wed, 20 Sep 2023 20:33:36 +0000 cvu@poverty-action.org 53437 at https://poverty-action.org