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  1. Beyond Access: Innovation at the Edges

    34M+ users joined Colombia’s instant payments in six months. Beyond Access asks what comes next: turning access into everyday use and financial agency.

    Anna Sheard
    4 min read

  2. What DPI-Enabled Digital Lending Can Learn from Microfinance and Traditional Banking

    India’s digital lending reaches few women. Comparing it with microfinance and public banking shows what DPI-enabled credit can learn about trust.

    Mila T. Samdub
    4 min read

  3. For Nigeria's Displaced People, the Problem Isn't Access. It's Whether Money Follows Them.

    In Nigeria, 82% of displaced people surveyed had a bank account, yet few used it. A study finds identity rules, cash-outs and aid design lock them out.

    Chioma Nwaiwu
    5 min read

  4. Building a Global Expert Network for Interledger’s Call for Papers

    Help shape research on open payments and financial inclusion. Join the Interledger Call for Papers expert network as a selector or reviewer.

    Smriti Parsheera
    4 min read

  5. Community-Led Financial Infrastructure in Kenya

    Explore how Grassroots Economics and Community Asset Vouchers are strengthening community-led financial infrastructure and advancing financial inclusion in Kenya

    Dr. Senka Hadzic
    7 min read

  6. Cheaper Cross-Border Micropayments with Interledger

    Discover how Interledger enables faster, lower-cost cross-border micropayments, comparing its performance with Lightning Network and mobile money.

    Yash Sancheti
    0 min read

  7. Taxes on Digital Financial Services in Africa: Balancing Revenue and Inclusion

    Explore how taxes on digital financial services affect mobile money adoption, financial inclusion, and government revenue across Africa.

    Dmitry Erokhin, PhD
    7 min read

  8. Why access isn't enough: New research project to explore barriers to financial inclusion in Colombia

    New research explores how trust and transparency shape financial inclusion in Colombia.

    3 min read
    A heart-with-wings sculpture frames a city skyline in the background.

  9. Banking Without Banks: What Africa Can Teach the U.S. About Financial Access

    Africa’s fintech innovations, including Ghana’s digital onboarding, Nigeria’s collaborative fintech ecosystem, and Kenya’s mobile money success, show how accessibility-first financial systems can dramatically expand financial inclusion and economic opportunity.

    Casey Diké
    5 min read

  10. The Future of Financial Inclusion Starts With Trust

    Financial inclusion starts with trust: people need financial systems that are transparent, relevant, and aligned with how they earn and manage money today. As the digital economy grows, institutions must combine modern technology with education and community-focused design to expand opportunity.

    Chiara Ostrin
    8 min read
    Group photo of FOCUS participants.

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