Digital financial services can help alleviate poverty and catalyze economic development. But suppose you are in a country where many people are not using these services. There are many possible causes. Which are most significant? How can you find the root of the problem?
Policymakers now have a new tool to answer these questions: the Decision Tree for Improving Digital Financial Inclusion, from the Center for Global Development. The tree helps policymakers examine the constraints on the supply- and demand-side that might prevent people from accessing digital financial services, such as limited competition or low trust in providers.
Learn more on the project page.
More Reading
CGD NOTE
Latin America: Adapting to the New Global Financial Environment
Latin American Committee on Macroeconomic and Financial Issues (CLAAF)
December 09, 2025