Digital finance.

Research area 05 of 06

Mobile money, digital payments and the inclusion they bring, or leave out.

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3 groups · 13 members · All six areas

3 groups. One area.

Each group follows one research question, led by a principal investigator, with each member’s part in the work named in the standard contributor roles.

Sample groups, members and contact details, shown while the first groups form.

Active

Mobile Money Inclusion Group

Who uses mobile money in Liberia, and who is left out?

Survey and agent interviews on use, trust and cost, broken down by gender, age and county.

  • Financial inclusion
  • Gender gap
  • Surveys
Field (OECD FORD)
5.2 Economics and business
SDG target
8.10 · Access to banking, insurance and financial services for all
Standards
G20 Principles · DDI
Members
4, led by Dr. Yatta Morris

Members

Active

Payments Interoperability

Linking mobile wallets and bank accounts on ISO 20022 messaging

A working prototype of a switch, and the rules it would need, so money moves between any wallet and any bank.

  • Interoperability
  • ISO 20022
  • Payments
Field (OECD FORD)
5.2 Economics and business; 1.2 Computer and information sciences
SDG target
8.10 · Access to banking, insurance and financial services for all
Standards
ISO 20022 · CPMI–IOSCO PFMI
Members
5, led by Dr. Francis Varney

Members

Forming

Digital Credit & Consumer Protection

Fair rules for app-based loans

What borrowers are told, what they pay and what happens when they fall behind, and what fair disclosure should look like.

  • Digital credit
  • Consumer protection
  • Regulation
Field (OECD FORD)
5.5 Law; 5.2 Economics and business
SDG target
1.4 · Equal rights to economic resources, including financial services
Standards
G20 Principles · FATF
Members
4, led by Dr. Victoria Yancy

Members

The standards we work to.

Research in digital finance follows the published international standards below, so its methods and results can be compared and trusted anywhere.

  • ISO 20022

    Universal financial industry message scheme

    The common language for payment and banking messages.

  • G20, 2016

    High-Level Principles for Digital Financial Inclusion

    Eight principles for expanding financial services through digital means.

  • FATF

    The FATF Recommendations

    The international standard against money laundering and terrorist financing.

  • CPMI–IOSCO, 2012

    Principles for Financial Market Infrastructures

    Standards for payment systems and other financial market infrastructures.

Across every group

  • ANSI/NISO Z39.104-2022

    CRediT, Contributor Roles Taxonomy

    Each member’s part in the work, named in the fourteen standard roles.

  • OECD, Frascati Manual 2015

    Fields of Research and Development

    The international classification each group is filed under.

  • United Nations, 2015

    Sustainable Development Goals

    Each group names the SDG target its work serves.

  • World Conference on Research Integrity, 2010

    Singapore Statement on Research Integrity

    Honesty, accountability, professional courtesy and good stewardship in research.

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