Digital Finance https://poverty-action.org/ en Request for Expression of Interest for Data Collection Services Specializing in Randomized Controlled Trials in Pakistan https://poverty-action.org/request-expression-interest-data-collection-services-specializing-randomized-controlled-trials <!-- 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">Request for Expression of Interest for Data Collection Services Specializing in Randomized Controlled Trials in Pakistan</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, 03/14/2024 - 14:36</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>IPA invites eligible and qualified offerors to submit their Expression of Insterest (EOI) for Data Collection Services Covering Women Entrepreneurs’ Access to Finance in Pakistan to test strategies for the adoption and usage of digital financial services (DFS).</p> <p>EOIs are due no later than <strong>Friday, March 29, 2024, 11pm (EDT)</strong>, to be submitted to <a href="mailto:global-procurement@poverty-action.org">global-procurement@poverty-action.org</a>.</p> <p>Read the full <strong><a href="/sites/default/files/2024-03/EOI%20Data%20Collection%20Firms%20Specializing%20in%20RCTs%20in%20Pakistan.pdf">Request for EOIs</a></strong> for submission criteria and instructions.</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--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> --> </div> </div> </section> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--cb30-detail.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"> March 14, 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="/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/6581" hreflang="en">Digital Finance</a></div> <div class="field__item"><a href="/taxonomy/term/2061" hreflang="en">Women &amp; Girls</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/91" hreflang="en">Pakistan</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-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-755678"> <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/2024-03/EOI%20Data%20Collection%20Firms%20Specializing%20in%20RCTs%20in%20Pakistan.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 the Request for EOI" title="Download the Request for EOI" class="pdfpreview-file image-style-large" src="/sites/default/files/styles/large/public/pdfpreview/755678-EOI%20Data%20Collection%20Firms%20Specializing%20in%20RCTs%20in%20Pakistan.png?itok=2jzSEQI_" 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/2024-03/EOI%20Data%20Collection%20Firms%20Specializing%20in%20RCTs%20in%20Pakistan.pdf">Download the Request for EOI</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' --> Thu, 14 Mar 2024 18:36:43 +0000 mread@poverty-action.org 53703 at https://poverty-action.org Increasing Adoption of QR Payments in Pakistan https://poverty-action.org/increasing-adoption-qr-payments-pakistan <!-- 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">Increasing Adoption of QR Payments in Pakistan</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, 03/05/2024 - 10:03</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="An individual counts Pakistani Ruppe in Karachi, Pakistan" data-entity-type="file" data-entity-uuid="78b02e62-ca82-492d-b67f-44bc8aafb4a6" src="/sites/default/files/inline-images/Screenshot%202024-03-04%20at%2012.24.54%E2%80%AFPM.png" width="1404" height="946" loading="lazy" /><figcaption>An individual counts Pakistani Ruppe in Karachi, Pakistan (Photo by Zeeshan Tejani on Unsplash)</figcaption></figure><!-- END OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --><p><strong>In collaboration with IPA and a leading mobile money provider in Pakistan, researchers at the Lahore University of Management Sciences (LUMS) are conducting a randomized pilot evaluation in Pakistan to test interventions to promote the adoption of QR payments by merchants.</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>The proliferation of instant payment systems has the potential to transform the dynamic of financial interactions between small businesses and consumers. These payment systems allow transactions to be made instantly and enable near-to-real-time settlements for merchants. As a result, reliance on cash can decrease and allow small businesses to take advantage of digital financial services. Pakistan launched its own instant payment system, RAAST, in 2022 and has recently launched the person to merchant use-case. However, digital merchant payments in Pakistan remain very low—only 1.1 percent of adults made a digital merchant payment in 2021.<sup>1</sup> This suggests the presence of information and behavioral barriers such as reluctance to adopt a new technology, concerns about taxes, and a lack of people using the technology.<sup>2</sup></p> <p>Researchers at LUMS are partnering with IPA and a leading mobile money provider in Pakistan to conduct a randomized pilot evaluation to test interventions to promote the adoption of QR-code payments by merchants and consumers. A total of 816 merchants in the Punjab province in Pakistan have been randomly assigned to either receive information and marketing promoting QR payments; a monetary incentive to adopt QR payments; a joint monetary incentive with their customers to adopt QR payments; or no intervention to serve as a comparison. Researchers will measure which strategy works best to increase the adoption and usage of QR payments by merchants and their consumers, in addition to studying the impact of digital payment acceptance on business outcomes. These outcomes will be shared with the State Bank of Pakistan and other stakeholders to increase the uptake of QR payments in the country effectively. </p> <p>Results will be available in late 2024.</p> <h2>Sources</h2> <p>1. Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, and Saniya Ansar. The Global Findex Database 2021: Financial inclusion, digital payments, and resilience in the age of COVID-19. World Bank Publications, 2022.</p> <p>2. Higgins, Sean. "Financial Technology Adoption: Network Externalities of Cashless Payments in Mexico." American Economic Review forthcoming (2020).</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>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--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 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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/2024-03/1656087276771.jpg" alt="LUMS logo"> </div> <span> Lahore University of Management Sciences </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-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"> </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 class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--cb12-mixed-related-content--default.html.twig x paragraph--cb12-mixed-related-content.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--cb12-mixed-related-content.html.twig' --> <div class="paragraph paragraph--type--cb12-mixed-related-content paragraph--view-mode--default"> <section class="cb12 "> <div class="frame v2"> <div class="content-wrap"> <h2>Related Blog</h2> <div class="cb12-feat-articles v2 "> <div class="cb12-rows 2-col"> <div class="cb12-row-2 col-one"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-post-selector--default.html.twig * field--paragraph--default--field-post-selector--cb12-mixed-related-content.html.twig * field--paragraph--default--field-post-selector.html.twig * field--paragraph--default--cb12-mixed-related-content.html.twig * field--paragraph--field-post-selector--cb12-mixed-related-content.html.twig * field--paragraph--field-post-selector.html.twig * field--paragraph--cb12-mixed-related-content.html.twig x field--default--field-post-selector.html.twig * field--default--cb12-mixed-related-content.html.twig * field--default.html.twig * field--field-post-selector.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--default--field-post-selector.html.twig' --> <div class="field field--name-field-post-selector field--type-entity-reference field--label-above"> <div class="field__label">Post Selector</div> <div class="cb12-article"> <a href="/new-evidence-consumer-awareness-can-pakistans-instant-payment-system-raast-unlock-financial"> <div class="button tag rounded tag-Blogs"> BLOGS </div> <p>New Evidence on Consumer Awareness: Can Pakistan’s Instant Payment System RAAST Unlock Financial Inclusion?</p> </a> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--default--field-post-selector.html.twig' --> </div> <div class="cb12-row-3 col-two"> </div> </div> </div> <div id="news_filter" class="cb12-discover-more"> <p>Discover more from IPA</p> 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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/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/91" hreflang="en">Pakistan</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/kashif-malik"> <div class="img" style="background-image: url('/sites/default/files/headshots/413_20160125105708.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Kashif Zaheer Malik </div> <div class="title"> Lahore University of Management Sciences </div> </div> </a> </div> <div class="ind"> <a href="/people/farah-said"> <div class="img" style="background-image: url('/sites/default/files/headshots/Farah-Said_cropped.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Farah Said </div> <div class="title"> Lahore University of Management Sciences </div> </div> </a> </div> <div class="ind"> <a href="/people/phillip-roessler"> <div class="img" style="background-image: url('/sites/default/files/headshots/phillip%20roessler.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Phillip Roessler </div> <div class="title"> College of William &amp; Mary </div> </div> </a> </div> <div class="ind"> <a href="/people/russell-toth"> <div class="img" style="background-image: url('/sites/default/files/headshots/Russell-Toth-2020-Web.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Russell Toth </div> <div class="title"> University of Sydney </div> </div> </a> </div> <div class="ind"> <a href="/people/hsin-tien-tiffany-tsai"> <div class="img" style="background-image: url('/sites/default/files/headshots/Hsin-Tien-%28Tiffany%29-Tsai.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Hsin-Tien (Tiffany) Tsai </div> <div class="title"> National University of Singapore </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/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/2024-03/Screenshot%202024-03-04%20at%2012.24.54%E2%80%AFPM.png" width="1404" height="946" alt="An individual counts Pakistani Ruppe in Karachi, Pakistan (Photo by Zeeshan Tejani on Unsplash)" 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/hussam-razi"> <div class="img" style="background-image: url('/sites/default/files/headshots/Hussam%20Razi_0.png')"> </div> <div class="meta"> <div class="name notranslate"> Hussam Razi </div> <div class="title"> Senior Program Manager, Financial Inclusion </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">816 merchants</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">2022-2025</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-implemented-by-ipa--rss.html.twig * field--node--rss--field-implemented-by-ipa--template-g-details-flex.html.twig * field--node--rss--field-implemented-by-ipa.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-implemented-by-ipa--template-g-details-flex.html.twig * field--node--field-implemented-by-ipa.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-implemented-by-ipa.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-implemented-by-ipa.html.twig * field--list-string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-implemented-by-ipa field--type-list-string field--label-above"> <div class="field__label">Implemented by IPA</div> <div class="field__item">Yes</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Tue, 05 Mar 2024 15:03:54 +0000 mpodesta@poverty-action.org 53693 at https://poverty-action.org Evidence from IPA’s Transaction Cost Index: Measuring the “True” Cost of Digital Financial Services https://poverty-action.org/evidence-ipas-transaction-cost-index-measuring-true-cost-digital-financial-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">Evidence from IPA’s Transaction Cost Index: Measuring the “True” Cost of Digital Financial 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/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, 02/02/2024 - 11:31</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><iframe allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" allowfullscreen="" frameborder="0" height="330" src="https://www.youtube.com/embed/UH5OQNgMrUA?si=RhaOIBYAWpNC94Gn" title="YouTube video player" width="575"></iframe></p> <p> </p> <p><strong>Tuesday February 27, 2024 | 2 PM GMT / 9 AM EST / 5 PM EAT</strong></p> <p><br /><a href="https://poverty-action.zoom.us/webinar/register/WN_oRsNhCgXRfGLXjYusCDU7g#/registration"><em><strong>Register Here</strong></em></a><br /><br /> Despite its proven benefits, take-up and continued usage of digital financial services (DFS) lags in many low- and middle-income countries. Though this challenge is multifaceted, the cost of using DFS, particularly mobile money, is a key barrier. Despite its importance, little has been done to systematically measure and monitor the true costs consumers face when conducting DFS transactions, including official fees, extra informal charges, and non-monetary costs such as failed transactions. To address this gap, <a href="https://poverty-action.org/" target="_blank">Innovations for Poverty Action (IPA)</a> created the <a href="https://poverty-action.org/transaction-cost-index" target="_blank">Transaction Cost Index (TCI)</a>.<br /><br /> In this seminar, hosted by the <a href="http://isser.ug.edu.gh/" target="_blank">Institute of Statistical Social &amp; Economic Research</a>, IPA researcher, William Blackmon, will introduce results from the TCI, including a comparison of prices across 16 countries in Africa, Latin America, and Asia, and fieldwork that explores hidden costs in Bangladesh, Tanzania, and Uganda. The seminar will conclude with a panel featuring Professor Peter Quartey (ISSER), Edwin E. Salema (Bank of Tanzania), and Alex Wekoye (MTN Uganda) to discuss the TCI’s implications for regulators, financial service providers, and researchers. The webinar will be moderated by Adadzewa Otoo (ReFinD, ISSER).</p> <h2><br /><strong>Speakers</strong></h2> <ul><li> <p><a href="https://poverty-action.org/people/william-blackmon" target="_blank">William Blackmon</a>, Innovations for Poverty Action</p> </li> <li> <p><a href="https://refind-isser.ug.edu.gh/node/125" target="_blank">Adadzewa Otoo,</a> ReFinD and ISSER (moderator)</p> </li> <li> <p><a href="https://isser.ug.edu.gh/people/prof-peter-quartey" target="_blank">Peter Quartey</a>, ISSER</p> </li> <li> <p>Edwin E. Salema, Bank of Tanzania</p> </li> <li> <p><a href="https://ug.linkedin.com/in/alex-wekoye-1062833b" target="_blank">Alex Wekoye</a>, MTN Uganda</p> </li> </ul></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/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-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/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-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="2024-02-27T12:00:00Z" class="datetime">Tue, 02/27/2024 - 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="2024-02-27T12:00:00Z" class="datetime">Tue, 02/27/2024 - 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, 02 Feb 2024 16:31:45 +0000 kvillanueva 53636 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 * 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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 '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 24, 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 * 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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 * 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/Press%20Release%20Image%20URL%20without%20BMG.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> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-partners--rss.html.twig * field--node--rss--field-details-partners--template-g-details-flex.html.twig * field--node--rss--field-details-partners.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-partners--template-g-details-flex.html.twig * field--node--field-details-partners.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-partners.html.twig * 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 * 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="2024-01-24T12:00:00Z" 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-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: * 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/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 Boosting Digital Financial Inclusion Through Information Campaigns in Bangladesh https://poverty-action.org/blog/boosting-digital-financial-inclusion-through-information-campaigns-bangladesh <!-- 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">Boosting Digital Financial Inclusion Through Information Campaigns in Bangladesh</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">Wed, 12/06/2023 - 22:49</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>Can a simple information campaign impact digital financial service usage among vulnerable cash transfer social assistance recipients in Bangladesh? Turns out,<strong> it can</strong>. An <a href="https://poverty-action.org/information-campaigns-increase-trust-mobile-money-bangladesh">IPA study</a> that focused on recipients of the Bangladesh Government’s social safety net allowance using informational posters, desk calendars, and videos has been shown to improve recipients’ knowledge, understanding, and usage of mobile money accounts for government-to-person (G2P) payments. These simple information campaigns when paired with improved agent service can lead to positive impacts for the recipients: their trust in mobile accounts increased by 75 percent and their ability to conduct mobile financial services (MFS) transactions improved by 40 percent.</p> <p>But why is this important? Every day, digital financial services (DFS) usage continues to grow. In Bangladesh alone, mobile money account ownership of those aged 15+ <a href="https://www.google.com/url?q=https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS?locations%3DBD&amp;sa=D&amp;source=docs&amp;ust=1701924714108719&amp;usg=AOvVaw0rDY_wSZfZ691tAKv0fkOc">increased</a> from 2.69 percent in 2014 to 29.01 percent in 2021—and in 2021, 8.72 percent of individuals <a href="https://www.worldbank.org/en/publication/globalfindex/Data">received</a> government payments into an account. However, an increase in account ownership and usage doesn’t always translate into better financial health or effective use of accounts. Account use may be limited by potential fraud attempts and a lack of trust, awareness, and knowledge—especially within marginalized groups. Cash transfer recipients (elderly pensioners, widows and vulnerable women, and disabled) of Bangladesh Government’s social safety net allowance are a prime example of this issue.</p> <p>Based on a 2022 <a href="https://poverty-action.org/monitoring-survey-g2p-payment-beneficiaries-social-welfare-programs-bangladesh">IPA survey</a> from the same study of the aforementioned demographic group, only 9 percent of people were able to use their financial accounts without assistance from an MFS agent. This lack of knowledge can mean two things: recipients aren’t reaping all of the benefits of their mobile wallets and they’re at risk of experiencing agent overcharging. IPA found that 7 percent of recipients paid illegal fees to agents while withdrawing their government payments. Additionally, while 42 percent of recipients have heard of MFS, 38 percent of these individuals heard this information from friends and family instead of an official and reliable source.</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="The informational poster about mobile money accounts was circulated among MFS agents and social assistance recipients during the project intervention in Bangladesh." data-entity-type="file" data-entity-uuid="23d3dd0f-0844-4e10-a165-f972dc147e0d" src="/sites/default/files/inline-images/Blog%20Informational%20Poster.jpg" width="1600" height="900" loading="lazy" /><figcaption>The informational poster about mobile money accounts was circulated among MFS agents and social assistance recipients during the project intervention in Bangladesh.</figcaption></figure><!-- END OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --><h2> </h2> <h2>Empowering Marginalized Groups</h2> <p>With this in mind, IPA and researchers <a href="https://www.google.com/url?q=https://poverty-action.org/node/47756&amp;sa=D&amp;source=docs&amp;ust=1701924934744542&amp;usg=AOvVaw1uhaa7uHYLwnKAD7jMgotZ">Maliha Rahanaz</a> and <a href="https://poverty-action.org/people/zaki-wahhaj">Zaki Wahhaj</a> partnered with <a href="https://a2i.gov.bd/">a2i</a>, a Bangladesh government organization focused on digitizing Bangladesh’s economy to empower the youth, rural poor, and women. We wanted to test a method through which the government could help these vulnerable populations become more aware of their mobile money accounts and safely access their social assistance benefits. To do so, we tested two approaches.</p> <p>First, we produced informational posters and videos in different styles and distributed them to MFS agents—both full posters and tri-folds were also distributed to the cash transfer recipients. The information materials focused on clearly stating the various features and use of mobile money accounts and the steps to conduct transactions. We used imagery to avoid potential literacy barriers. The videos used local dialects and highlighted features of mobile money accounts, such as 1) deposits, 2) withdrawals, and 3) avoiding illegal fees charged by the agent. We distributed the informational videos to cash transfer recipients using mobile messages with links.</p> <p>Second, we targeted the MFS agents using a non-monetary award scheme. We informed MFS agents that the award would recognize their role in the community and the quality of customer service. Several studies <a href="https://hbr.org/2021/03/research-a-little-recognition-can-provide-a-big-morale-boost">suggest</a> motivating the agents through recognition might result in better quality of service.</p> <p><iframe allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" allowfullscreen="" frameborder="0" height="515" src="https://www.youtube.com/embed/r6aZ3LrHMME?si=DzmD0RYblZr0woPf" title="YouTube video player" width="760"></iframe></p> <h5><em>The informational video about mobile money accounts was circulated among MFS agents and social assistance recipients during the project intervention in Bangladesh.</em></h5> <h2> </h2> <h2>Impactful Findings</h2> <p>Now back to the results—overall, our initial learnings find that simple information campaigns coupled with improved service delivery can lead to positive impacts for cash transfer recipients. Here’s what we found:</p> <p><strong>1. Awareness of MFS increased by 7 to 8 percentage points</strong> among cash transfer recipients who either received the information campaign on their own or a combination of the information campaign and the agent award scheme. General awareness (i.e., from all sources) regarding MFS increased most among recipients who live in rural areas (18 percentage points) where the agent award scheme was rolled out.</p> <p><strong>2. We find detectable effects on trust</strong> (10 percentage points) <strong>in mobile money accounts when the information campaign and the agent award are combined but not for each intervention on their own.</strong> The ability to perform MFS transactions also increases (by 4 percentage points) but only among cash transfer recipients who received the information campaign. We do not see a detectable effect on this outcome when the two interventions are combined. Trust in MFS increased the most among recipients who live in rural areas (by 14 percentage points) who received both interventions.</p> <p><strong>3. The effect on trust in MFS was higher among males</strong> (12 percentage points) than females (9 percentage points), among cash transfer recipients who received both interventions.</p> <p><strong>4. There was a significant effect on self-reported savings and remittances</strong> 6 months after the study. Cash transfer recipients who were given the information campaign increased savings by 7 percentage points.</p> <p><strong>5. There was no change in cash transfer recipients’ behavior</strong> when the award scheme was implemented by itself.</p> <p>This research provides policymakers, especially a2i and the Ministry of Social Welfare in Bangladesh, with insights into the state of awareness and usage of MFS accounts and the effectiveness of targeted outreach strategies. Basic information initiatives, combined with enhanced service provision, can result in favorable outcomes for recipients of G2P payments. The results also provide lessons for the private sector (such as MFS companies) on how to design products and services catering to marginalized populations. Lessons learned from this study, among <a href="https://poverty-action.org/beneficiary-experience-digital-government-person-g2p-payments-bangladesh-colombia-and-philippines">others</a> from IPA on G2P payments, can help other governments improve their efforts for digitization, creating more streamlined, scalable, and far-reaching programs.</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="/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 class="field__item"><a href="/taxonomy/term/5461" hreflang="en">Financial Services for the Poor</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/1851" hreflang="en">Access to Finance</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> </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-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/maliha-rahanaz"> <div class="img" style="background-image: url('/sites/default/files/headshots/Maliha%20Rahanaz.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Maliha Rahanaz </div> <div class="title"> University of Kent </div> </div> </a> </div> <div class="ind"> <a href="/people/zaki-wahhaj"> <div class="img" style="background-image: url('/sites/default/files/headshots/Zaki-Wahhaj-2020-Web.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Zaki Wahhaj </div> <div class="title"> University of Kent </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, 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 * 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/2023-12/Blog%20Informational%20Poster.jpg" width="1600" height="900" alt="InformationalPostBGD" 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="2023-12-06T12:00:00Z" class="datetime">Wed, 12/06/2023 - 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="2023-12-06T12:00:00Z" class="datetime">Wed, 12/06/2023 - 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' --> Thu, 07 Dec 2023 03:49:22 +0000 rnastiti@poverty-action.org 53538 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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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 Information Campaigns Increase Trust in Mobile Money in Bangladesh https://poverty-action.org/study/information-campaigns-increase-trust-mobile-money-bangladesh <!-- 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">Information Campaigns Increase Trust in Mobile Money in Bangladesh</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, 11/08/2023 - 12:38</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"> <!-- 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="Video promotion of mobile money" data-entity-type="file" data-entity-uuid="ba22696e-7b2a-4bda-9abb-845c347ae223" src="/sites/default/files/inline-images/Screen%20Shot%202023-11-07%20at%204.29.16%20PM.png" width="626" height="356" loading="lazy" /><figcaption>Video promotion of mobile money account use</figcaption></figure><!-- END OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --><p><strong>Researchers evaluated the impact of an information campaign and a non-monetary encouragement for mobile money agents on awareness, trust, and usage of mobile money among social assistance payment recipients. Results showed significant increases in awareness and trust in mobile money when the campaign and non-monetary encouragement were combined.</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>Amongst low- and middle-income countries that offered transfers during COVID-19, 58 disbursed funds digitally.<sup>1</sup> However, IPA evidence from the Philippines, Colombia, and Bangladesh found that many recipients experienced challenges accessing their money.<sup>2</sup> Bangladesh’s Ministry of Social Services and Aspire to Innovate (a2i) recently digitized the disbursement of social net program transfers for nearly nine million recipients. Although helping to contribute to increased financial inclusion, switching to digital transfers has led to incomplete reception of benefits from mobile wallets, inaccurate information about mobile money, and agent overcharging. <br />  <br /> From 2021 to 2022, researchers partnered with IPA and a2i to evaluate the impact of two approaches to increase awareness, trust, and use of mobile money accounts among digital social assistance recipients. In the first approach, researchers distributed to recipients and mobile money agents informational posters and pamphlets using visuals describing the features of mobile money accounts and how to use them. Researchers also produced informational videos in local dialects explaining features of mobile money accounts, which were sent to recipients via text message. In the second approach, researchers targeted mobile money agents with a non-monetary award scheme, which would recognize their role in the community and customer service quality, to determine whether this recognition would lead to better service. </p> <p>Altogether, 3,000 social assistance recipients across Bangladesh were randomly assigned equally to receive (1) poster, pamphlet, and video information campaign about mobile money; (2) interaction with incentivized mobile money agents; (3) a combined approach; or (4) no intervention.</p> <p>Results showed that the information campaign and non-monetary encouragement for mobile money agents had significant positive impacts on social assistance recipients’ awareness of and trust in mobile money services. For instance, awareness increased by 16 to 19 percent among recipients who received the information campaign on its own or in the combined approach. The combined approach increased trust in mobile money by 75 percent, with the biggest impacts among men and rural populations. Researchers also found impacts on mobile money use, with recipients in the information campaign increasing their ability to perform mobile money transactions by 40 percent. Six months later, recipients reporting any savings in this group was 86 percent higher than in the comparison group.</p> <h2>Sources</h2> <p>1. Gentilini, Ugo; Almenfi, Mohamed; Orton, Ian; Dale, Pamela. 2020. Social Protection and Jobs Responses to COVID-19: A Real-Time Review of Country Measures. https://openknowledge.worldbank.org/entities/publication/3bc00930-8388-5d60-86a9-a579de8a5b28</p> <p>2. IPA. 2022. Beneficiary Experience of Digital Government-to-Person (G2P) Payments. https://poverty-action.org/sites/default/files/publications/G2P-and-Financial-Inclusion-Updated.pdf. </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 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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/Screen%20Shot%202023-11-08%20at%2012.44.23%20PM.png" alt="a2i"> </div> <span> Aspire to Innovate (a2i) </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-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/6581" hreflang="en">Digital Finance</a></div> <div class="field__item"><a href="/taxonomy/term/2041" hreflang="en">Ultra Poor</a></div> <div class="field__item"><a href="/taxonomy/term/1821" hreflang="en">Cash Transfers</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> </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/zaki-wahhaj"> <div class="img" style="background-image: url('/sites/default/files/headshots/Zaki-Wahhaj-2020-Web.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Zaki Wahhaj </div> <div class="title"> University of Kent </div> </div> </a> </div> <div class="ind"> <a href="/people/maliha-rahanaz"> <div class="img" style="background-image: url('/sites/default/files/headshots/Maliha%20Rahanaz.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Maliha Rahanaz </div> <div class="title"> University of Kent </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/22" hreflang="en">Results</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/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/2023-11/Screen%20Shot%202023-11-07%20at%204.29.16%20PM_0.png" width="626" height="356" alt="Video promotion of mobile money" 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-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">3,000 social assistance recipients</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">2021-2022</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-755087"> <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/2023-11/Working_Paper_G2P_Project_08_09_2023%20-%20Tanvi%20Jaluka.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="Academic Paper" title="Academic Paper" class="pdfpreview-file image-style-large" src="/sites/default/files/styles/large/public/pdfpreview/755087-Working_Paper_G2P_Project_08_09_2023%20-%20Tanvi%20Jaluka.png?itok=D1TKtJcV" 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/2023-11/Working_Paper_G2P_Project_08_09_2023%20-%20Tanvi%20Jaluka.pdf">Academic Paper</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, 08 Nov 2023 17:38:19 +0000 mpodesta@poverty-action.org 53496 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 * 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/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 * 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/2023-09/16024489237_6649da499f_o%20%281%29_0.jpeg" width="1280" 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 * 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">Measuring the True Cost of Digital Financial Services 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/11" typeof="schema:Person" property="schema:name" datatype="" content="cvu@poverty-action.org">cvu@poverty-ac…</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, 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 '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--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-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