FINANCIAL INCLUSION RESEARCH MATERIALS HUBS

• Kenya Financial Diaries-www.FSDkenya.org/The Kenya Financial Diaries
• Kenya Finaccess Household Survey- FSD.org/publications/finaccess2016
• Financial Sector Deepening(FSD)-Publications-www.FSDkenya.org/publications
• Financial Inclusion Reports-wwwfinclusionlab.com
• World Bank Group-Financial Inclusion-www.worldbank.org/en/publication/gfdr
• CGAP-Financial Inclusion-www.cgap.org/Financial-inclusion
• Innovations For Poverty Action-Financial Inclusion-www.Poverty-action.org/ Financial-Inclusion
• Centre For Financial Inclusion at ACCION-CFI-www.centreforfinancialinclusion.org
• Kenya National Bureau Of Statistics/Publications-www.knbs.or.ke/2017 Economic Survey
• Central Bank Of Kenya/Publications-www.centralbank.go.ke/publications
• Microfinance Opportunities/Research-www.microfinanceopportunities.org
• Women World Banking-www.womenworldbanking.org/research
• MicroSave Kenya/Financial Inclusion-www.microsave.net
• Bath University-www.bath.ac.uk/sps/staff/Susan-Johnson

FINANCIAL INCLUSION PAPERS AND PUBLICATIONS

The papers and publications listed below provide very useful insights in the field of financial capability and inclusion. We, as a resource centre for financial education and inclusion, recommend the reading of these resource materials among others for a thorough grasp of the financial inclusion theme.

• Customer-Centricity For Financial Inclusion-by TanayaKilara and Elisabeth Rhyne
• What Do Low-income People Know About Money?: An Indigenous Financial Concepts and Practices and Their Implications for Financial Inclusion-By Dr. Susan Johnson, Centre for Development Studies, University of Bath-Up
• Enabling Customer Empowerment, Choice, Use and Voice-by AntoniqueKoning and Monique Cohen
• Finding The Right Job For Your Product–by C.M Christensen, Massachusett Institute of Technology, 2007
• A Change in Behaviour: Innovations in Financial Capability-by Julia Arnold and Elisabeth Rhyne
• Financial Literacy: A Step Toward Financial Inclusion-by Monique Cohen and Candace Nelson, 2011 Microcredit Summit Campaign
• Why Digital Accounts Tend To Be Empty-by Ignacio Mas
• Informal Financial Practices and Social Networks :Transaction Genealogies-by Susan Johnson
• Finance and Fortune-by Julie Zollmann and Catherine Wanjala
• Technology Inequality: Opportunities and Challenges for Mobile Financial Services-by CFI-2017
• Financial Capability and The Poor-by Julie Zollmann and Daryl Collins
• Growing Income, Growing inclusion: How Rising Incomes at the Bottom of the Pyramid Will Shape Inclusion-by Sonja Kelly and Elisabeth Rhyne
• Pathways To Smarter Digital Financial Inclusion-by Ignacio Mas and David Porteous
• The Power of Heuristics-by Antoinette Schoar, MIT Sloan School of Management,Sangato Data Ideas 42
• Beyond Financial Inclusion: Financial Health as a Global Framework-by CFI -2017
• The Role of Informal Groups inFinancial Markets: Evidence From Kenya-by Susan Johnson, S. Malkamaki and Nino-Zarazua
• Financial Capability: A Behavioral Economics Perspective, Consumer Research 69, Financial Services Authority
• The Business of Financial Inclusion: Insights From Banks in Emerging Markets-by Tomas Cande, ArpithaBykere and Elisabeth Rhyne
• Capacities To Aspire and Capacities To Save: A Gendered Analysis of Motivations For Liquidity Management-by Susan johnson
• Can Financial Education Change Behavior?-by Monique Cohen and Candace Nelson
• Digitizing The Kaleidoscope of Informal Financial Practices-by Ignacio Mas
• New Microfinance Handbook–by Joanna Ledgerwood with Julie Earne and Candace Nelson
• Money Management, Financial Inclusion and Banking the Unbanked-by Elisabeth Rhyne
• Banking The Bottom Billion: Why Financial Inclusion Policy and Why Now-by Sonja Kelly
• Getting on Education In Rural Kenya: Findings Based on Kenya Financial Diaries-by Daryl Collins, Laura Cojocaru and Julie Zollmann
• Building Financial Capability of Savings Group Members in Kenya: by Candace Nelson for FSD/MFO in Consumer Protection Review 2013 Kenya.
• Groups Savings and Loans Associations Gain Efficiency From New Approaches-by Paul Rippey for FSD/CARE
• Smart Saving and Lending: Member Protection in SHG Model-by Smart Campaign
• Financial Exclusion In Kenya: An Analysis of Financial Services Use-by Susan Johnson
• Financial Services For All: It’s About Strategy-by CFI 2016
• Saving as Forward Payment Innovations on Mobile Money Platforms-by Ignacio Mas and Colin Mayer
• Financial Consumer Protection In Kenya: Key Research Findings and Policy Recommendations-by FSD Team
• Know Your Risks and How To Manage Them: A Study Guide Developed by Microfinance Opportunities, Swedish Co-operative Centre and Vi Agroforestry 2009
• The Pursuit of Complete Financial Inclusion: The KGFS Model in India-by BinduAnanth, Gregory Chen and Stephen Rasmussen for CGAP and IFMR Trust, 2012
• Financial Capability In Kenya-by Daryl Collins, Julie Zollmann and Bilha Maina
• Making Mobile Money Daily Relevant-by Ignacio Mas
• Trickling Down And Climbing Up-by Julie Zollmann
• The Island of Stone Money-by Milton Friedman, The Hoover Institution, Stanford University
• Taking Stock: Financial Education Initiatives For The Poor: Microfinance Opportunities, Genesis Analytics and Mastercard Foundation
• Using Broadband to Enhance Financial Inclusion-by Ignacio Mas
• The Fortune of The Bottom of The Pyramid-by CK Prahalad and Stuart L Hart
• Financial Education For The Poor– by Monique Cohen and JenefferSebstad
• Six Secrets of Self Employed-by Julie Zollmann and Paul Gubbins
• Assessing The Outcomes of Financial Education-by JenefferSebstand, Monique Cohen and Kathleen Stack, 2006
• Musings on Money: The What and Why of Billions-by Ignacio Mas and MicroSave
• An Introduction To Child and Youth Finance Education: Developing Quality Finance, Social and livelihoods Education For Children and Youth-by Child & Youth Finance International
• The Search For Inclusion in Kenya’s Finance Landscape: Annex1– Supply Side Survey-by Susan Johnson and Graham Brown
• The Search For Inclusion In Kenya’s Finance Landscape: Annex 2-Demand Side Survey-by Susan Johnson, Graham Brown and Cyril Fouillet
• The Search For Inclusion In Kenya’s financial Landscape: Annex 3-Maps and Visual representations-by Susan Johnson, Graham Brown and Cyril Fouillet
• VISA Financial Literacy: Practical Money Skills- Visa Inc
• Where Are we Now?: Introducing the Financial Diaries Two- year Follow up Study-by Julie Zollmann and Paul Gubbins
• Money Resolutions, a Sketch Book-by Ignacio Mas
• Building Evidence on Financial Capability-by Innovations for Poverty Action (IPA)
• What Happens To Microfinance Clients Who Default: An Exploratory Study of microfinance Practice-by Jami Solli for The Smart Campaign 2015
• Small ‘b” Biashara-by Julie Zollmann
• Market Research for Financial Education-by Candace Nelson
• M-Pesa: Progress and Prospects-by Tony Omwansa and Ignacio Mas
• World Development Report 2015: Mind, Society and Behavior-by World Bank Group.
• The Meaning of Social Entrepreneurship-by Gregory Dee
• A Bucket Short-What Financial Diaries Tell Us About Building Financial Services That Matter To Low-income Women-by Julie Zollmann and Caitlin Sanford
• Post-Project Replication of Savings Groups in Uganda: DATU Research, Data for the big Picture
• The Impact of Microfinance-by Monique Cohen and Deena Burjorjee
• Money resolutions, Digital Simulations, 2015-by Ignacio Mas
• Village Savings and Loans Associations (VSLAs): field Officers’ Guide-by Hugh Allen and Mark Staehle
• Credit on Cusp: Strengthening Credit Markets for Upward Mobility in Africa-by Julie Zollmann
• Mobile Money as Information utility That Touches Everyone: Refining the Vision For financial Inclusion-by Ignacio Mas and Nicholas Sullivan
• Applying Behavioural Economics To improve Micro Saving Outcomes-by Alexandra Fiorillo, Louis Patok and Josh Wright for Ideas 42.
• Kenya Financial Diaries: ShilingiKwaShilingi-The Financial Lives Of The Poor-2014-By Julie Zollmann, Bankable Frontiers Associates (BFA) in collaboration with Digital Divide Data(DDD), for Financial Sector Deepening(FSD),
• Designing To What People Think, Not Just Do: Basing Products Development on Mental Models and Metaphors-by Ignacio Mas
• From Insight to Action: Building Client trust and Confidence in Branchless Banking-by Monique Cohen
• Why You Should Care About Bitcoin: Even If You Don’t Believe In It-by Ignacio Mas
• Searching for Mataphors of Household Financial Management-by Ignacio Mas and MicroSave.
• The Power and utility of Bidding Roscas in the Economic take-off of chulin Village, Taiwan 1970-1990-by Paul Vander Meer