USAID: Handbook on Digital Finance for Development

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Resource Posted: 
Wednesday, June 17, 2015

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Comprehensive guide meant for USAID employees on digital finance and its development on a national and international scale. Meant for people looking for a more specific resource delving further into the world of digital finance and its developmental side for government and more general uses.

This handbook enables USAID missions to understand how to identify, assess, and act upon opportunities to use inclusive digital financial services (like mobile money) in USAID programs. The Handbook is designed for use across the Agency, though content is often framed with a Mission perspective. We designed the handbook so that you don’t need to read all of it. Each section begins by identifying the target audience and objectives so that you can just read the parts most relevant to you.

PART 1: BACKGROUND provides a detailed background on inclusive digital financial services. It clarifies what digital financial services are, how they differ from traditional banking ecosystems, and how they are relevant to Agency staff, regardless of their area of expertise.

PART 2: STAKEHOLDERS summarizes the key stakeholders involved in the development of digital financial services. These range from customers to mobile network operators to policymakers.

PART 3: REGULATORY ISSUES provides an in-depth summary of key regulatory issues, such as the role of mobile network operators and other non-bank institutions, use of agents,
customer identification requirements, and consumer protection.

PART 4: STRENGTHENING ECOSYSTEMS discusses how USAID can strengthen the ecosystem for digital financial services. It looks at how donors can impact ecosystem development and includes examples of how USAID and other donors have worked on these issues around the world.

PART 5: USING ECOSYSTEMS delves into how USAID can use digital financial services. This part provides examples of how implementing partners around the world are using digital financial services to improve the efficiency, security, and impact of their programs.

PART 6: PROGRAMMING discusses how Agency staff can assess, design, solicit, implement, and evaluate the use of inclusive digital financial services in programs

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