From Access to Impact
Advancing inclusive finance for a resilient and equitable future.
Defy’s flagship paper on moving inclusive finance from counting accounts to measuring agency, protection and inclusion.
Download PDF →Insights & ImpactEvidence over
Evidence over
announcements.
We publish reports, commentary and analysis on inclusive finance.
Roundtable outcomes
Four dimensions of impact.
The Consortium’s latest roundtables and workshops produced an inclusive finance impact framework. It sets four dimensions for measuring what inclusive finance changes in people’s lives. Every national pilot is measured against them.
01
Sustained use
People keep using the service, often and reliably.
Example indicators
- Active use after 90 days
- Transaction frequency
- Service uptime
02
Protection & redress
Problems get fixed fast and fairly.
Example indicators
- Complaint resolution time
- Refunds paid
- Fraud loss rate
03
Resilience
More choice and better recovery from shocks.
Example indicators
- Products used per person
- Recovery after a shock
- Women’s share of active users
04
Inclusive growth
Value created and kept locally.
Example indicators
- Small business revenue growth
- Jobs supported
- Value retained locally
Research library
All publications.
Three papers published and one in preparation. Each is free to download.
Call for contributions
Coming soonWhite paper
Powering Inclusive Finance
Our next white paper examines how the Global Unified Ledger can remove the inefficiencies that stop inclusive finance from scaling. Providers, regulators and funders can shape it before publication.
Want to collaborate?Contribute data, use cases, technical review or co-authorship.
Impact Banking
Redefining wealth in the modern era.
Few impact finance products are open to everyday people. This litepaper sets out impact banking, which builds impact into ordinary banking services. Customers look after their financial health and contribute to social and environmental change at the same time.
Download PDF →
Reaching the Underserved
Circular Financial Identity and Circular Digital KYC.
Identity checks are slow and costly, and they often exclude underserved communities. This paper introduces Circular Financial Identity, a self-sovereign view of a person’s financial life that goes beyond credit scores. It shows how it makes digital KYC more efficient, secure and private.
Download PDF →Insights
Events, commentary and analysis.
Our Chair at the Finance in Common G7 Special Event
Read →
What happens when the rulebook doesn’t quite fit?
Read →
Defy publishes From Access to Impact
Read →
Finance for All, at the What the Fraud Summit
Read →
Advancing inclusive growth through financial inclusion
Read →
Keynote at the UN FfD4 Preparatory Workshop, Manama
Read →
Reimagining financial access for women, at the ASEAN Fintech Forum
Read →
Circular Financial Identity, the missing piece for financial inclusion
Read →Contribute to our research.
Join the call for contributions to our next white paper, or propose a topic you would like the consortium to research.