{"id":35688,"date":"2019-06-27T14:50:36","date_gmt":"2019-06-27T14:50:36","guid":{"rendered":"https:\/\/content.centerforfinancialinclusion.org\/?p=35688"},"modified":"2019-07-30T16:15:05","modified_gmt":"2019-07-30T16:15:05","slug":"leveraging-technologies-to-improve-the-quality-and-maximize-the-productivity-of-agent-models","status":"publish","type":"post","link":"https:\/\/cfi.accion-staging.flywheelsites.com\/leveraging-technologies-to-improve-the-quality-and-maximize-the-productivity-of-agent-models\/","title":{"rendered":"Leveraging Technologies to Improve the Quality and Maximize the Productivity of Agent Models"},"content":{"rendered":"
As a means of reaching underserved customers at low cost, financial institutions have designated authority and responsibility to banking agents to deliver financial products and services. Agent banking is a model for delivering financial services whereby an institution \u2014 be it a financial service provider or a mobile network operator \u2014 partners with a retail agent to extend services in remote or hard-to-reach areas.<\/p>\n
Innovative financial institutions are streamlining and digitizing their processes, and utilizing real-time data and analytics to increase both the efficiency and effectiveness of agent networks.<\/p><\/blockquote>\n
Despite the growing volume of agents, the agent network model is rife with utilization and operational challenges. The good news is that technology offers financial institutions an opportunity to make agent models more efficient and productive for themselves and their customers. Based on in-depth interviews with industry experts and senior bank officers, and supplemented by a review of the literature, this brief examines the role of technological innovation as a potential driver for improving the quality and maximizing the productivity of agent models.<\/p>\n
We found it useful to study this topic across two time-horizons: the short-and long-term; and from the perspectives of the main stakeholders in the agent network triad: the financial institution, the agent, and the customer. This structure allows us to account for two key trends: 1) the diminishing role of cash as a payment form, and 2) an increasing readiness of institutions to embrace digital transformation. It also allows us to explore commonly-cited challenges with agent networks through an illustrative, hypothetical narrative lens, giving voice to each stakeholder group. The narratives are accompanied by real-world examples of how technological integration and innovation has helped to improve and streamline processes within agent networks. Finally, we anticipate that in a future financial services ecosystem that is digital and cashless or cash-lite, we will see the role of the agent evolving from transaction processors to solution providers.<\/p>\n","protected":false},"excerpt":{"rendered":"
As a means of reaching underserved customers at low cost, financial institutions have designated authority and responsibility to banking agents to deliver financial products and services. Agent banking is a model for delivering financial services whereby an institution \u2014 be it a financial service provider or a mobile network operator \u2014 partners with a retail […]<\/p>\n","protected":false},"author":66,"featured_media":35689,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"regions":[],"series":[],"types":[28],"client":[],"topics":[3139,3197,3192,49,40,48,3146,3477,3357,3328,39],"personas":[],"institutional_partnerships":[3411,3324],"clients":[],"program_teams":[3404],"acf":{"types":{"term_id":28,"name":"Report","slug":"report","term_group":0,"term_taxonomy_id":28,"taxonomy":"types","description":"","parent":0,"count":128,"filter":"raw","term_order":"0"},"header":{"header_type":"post_cover","post_cover":{"description":"Despite the growing volume of agents, the agent network model is rife with utilization and operational challenges. This brief examines the role of technological innovation as a potential driver for improving the quality and maximizing the productivity of agent models."},"post_aligned":{"description":""},"post_default":{"description":""}},"authors":[{"ID":26376,"post_author":"1","post_date":"2018-08-20 13:50:32","post_date_gmt":"2018-08-20 13:50:32","post_content":"","post_title":"Jacqueline Foelster","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"jacqueline-foelster","to_ping":"","pinged":"","post_modified":"2022-02-11 16:29:37","post_modified_gmt":"2022-02-11 20:29:37","post_content_filtered":"","post_parent":0,"guid":"http:\/\/cfi.accion.flywheelsites.com\/people\/jacqueline-foelster\/","menu_order":0,"post_type":"people","post_mime_type":"","comment_count":"0","filter":"raw","featured_image":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2018\/09\/D716566.jpg","acf":{"body":"
Jacqueline has nearly a decade of financial inclusion experience conducting research and implementing projects in emerging markets. In her previous roles as Senior Research Specialist and Consultant for CFI, Jacqueline contributed to research on various topics, such as financial capability and women\u2019s financial inclusion.<\/p>\n
Prior to joining Accion, Jacqueline worked as a consultant at the International Finance Corporation supporting the Asia Pacific gender team on data collection and monitoring activities for a variety of projects aimed at improving women\u2019s leadership and combatting gender-based violence. Jacqueline also spent several years working at MIX, where she led the deployment of a series of IVR-based surveys called the Voice of the Client.<\/p>\n
A dual national of the U.S. and France, Jacqueline is fluent in English, French, Spanish, and Khmer. Jacqueline is a Fulbright Scholar, and holds a bachelor\u2019s degree in general business from the University of Maryland, College Park, and a master\u2019s degree in international economics and Southeast Asia studies from Johns Hopkins School of Advanced International Studies (SAIS).<\/p>\n
<\/p>\n","title":"Former Consultant","position":"staff","social_media_links":{"email":"jfoelster@accion.org","linkedin":"","twitter":""},"header":{"header_type":"people_aligned","people_aligned":{"description":""}},"blocks":false,"page_settings":{"":null,"email_sign_up":true,"show_related_content":false,"show_contextual_menu":false,"contextual_menu_cta":null,"replace_global":false,"hide_sticky_share":false,"hide_date_when_featured":false,"is_list_view":false,"premium":false,"preview_image":false,"description":""},"is_author":true,"person_name":{"first_name":"Jacqueline","last_name":"Foelster"}},"url":"jacqueline-foelster"},{"ID":35259,"post_author":"75","post_date":"2019-05-23 19:06:59","post_date_gmt":"2019-05-23 19:06:59","post_content":"","post_title":"Amin Khairy","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"amin-khairy","to_ping":"","pinged":"","post_modified":"2019-05-23 19:06:59","post_modified_gmt":"2019-05-23 19:06:59","post_content_filtered":"","post_parent":0,"guid":"https:\/\/content.centerforfinancialinclusion.org\/?post_type=people&p=35259","menu_order":0,"post_type":"people","post_mime_type":"","comment_count":"0","filter":"raw","featured_image":false,"acf":{"person_name":{"first_name":"Amin","last_name":"Khairy"},"title":"Digital Regulation Policy Advisor, Institute of International Finance","position":"staff","social_media_links":{"email":"","linkedin":"","twitter":""},"body":"","header":{"header_type":"people_aligned","people_aligned":{"description":""}},"blocks":false,"page_settings":{"":null,"email_sign_up":true,"show_related_content":true,"show_contextual_menu":false,"contextual_menu_cta":null,"replace_global":false,"hide_sticky_share":false,"hide_date_when_featured":false,"is_list_view":false,"premium":false,"preview_image":false,"description":""},"is_author":true},"url":"amin-khairy"}],"blocks":[{"acf_fc_layout":"logo_wall","title":"Partners","heading":"","description":"This report is part of a two-year initiative, Mainstreaming Financial Inclusion: Best Practices, which aims to help advance efforts of financial institutions to reach customers at the base of the economic pyramid. This initiative and this report were made possible with support from MetLife Foundation, and in collaboration with the Institute of International Finance. The views and opinions expressed in this report are those of the authors and do not necessarily represent the views of the MetLife Foundation or the interviewees. All errors are our own.","logo_cards":[{"logo":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2018\/08\/Screen-Shot-2018-08-31-at-3.31.34-PM.png","company_title":"","meta_label":"","description":"","link_url":"https:\/\/www.metlife.com\/corporate-responsibility\/metlife-foundation\/"},{"logo":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2018\/08\/IIF-Logo.png","company_title":"Institute of International Finance","meta_label":"","description":"","link_url":"https:\/\/www.iif.com\/"}]}],"meta_cta":{"download":true,"cta_button_text":"Download Report","cta_media":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2019\/07\/Leveraging_Tech_Agent_Models_FINAL3.pdf","cta_url":"","additional_links":[{"link_text":"Download Summary","link":"","link_media":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2019\/06\/Mainstreaming-FI-Agent-Models-Summary.pdf"}]},"page_settings":{"":null,"email_sign_up":true,"show_related_content":true,"show_contextual_menu":false,"contextual_menu_cta":null,"replace_global":false,"hide_sticky_share":false,"hide_date_when_featured":false,"is_list_view":false,"premium":false,"preview_image":false,"description":""},"related_content":{"cards":[{"ID":43996,"post_author":"87","post_date":"2022-03-21 15:00:06","post_date_gmt":"2022-03-21 19:00:06","post_content":"Two years into the COVID-19 pandemic, the role of digital financial services in providing access to essential services is undeniable. Digital financial services have enabled governments and nonprofits to deliver timely social protection payments and aided families and friends of those in need to quickly share financial resources. The rise of platforms and small business fintechs allowed for new forms of commerce that have kept people employed and grown gig work opportunities, which helped customers in small villages and large cities alike to purchase goods needed for their households.\r\n
We need data, metrics, and measurement standards to better understand and move the needle on measuring resilience.<\/blockquote>\r\nThe role fintechs have played over the last two years is clear. We have data about the growth of fintechs during the pandemic, on how much capital they have attracted from investors, and many anecdotal stories about how individuals and firms using fintechs have experienced direct benefits from moving to digital solutions. But while there are many stories of the positive relationships between fintechs and their customers during the pandemic, we need data, metrics, and measurement standards to better understand and move the needle on measuring resilience.\r\n\r\nWith the support of Jersey Overseas Aid and Comic Relief<\/a>, CFI conducted research to better understand fintechs, their resilience, and the impact they have on the livelihoods of low-income customers. CFI\u2019s research on fintech resilience is the first attempt to set forth a framework and call to action to understand the interconnectedness between progress at the provider level and the implications for users. Through our research, we found that, by and large, fintechs are operationally resilient, although many early-stage fintechs did have to resort to layoffs and salary cuts, or to slowing growth plans. However, measuring resilience \u2014 whether at the level of financial institutions or customers, as well as how they influence each other \u2014 is at an early stage of research.\r\nPACT measures resilience as a combination of abilities and access to resources across four dimensions: Preparedness, Access, Capability, and Ties (Networks).<\/blockquote>\r\nTo support our work in understanding how to measure and quantify fintech\u2019s resilience and impact, CFI developed the PACT framework. This helps us analyze the resilience of both fintechs and low-income customers, and see where and how there are direct connections between the two. PACT measures resilience as a combination of abilities and access to resources across four dimensions: Preparedness, Access, Capability, and Ties (Networks). This framework can inform investors and donors who are looking to support low-income customers.","post_title":"A PACT to Promote Resilience","post_excerpt":"","post_status":"publish","comment_status":"open","ping_status":"open","post_password":"","post_name":"a-pact-to-promote-resilience","to_ping":"","pinged":"","post_modified":"2022-03-21 15:00:06","post_modified_gmt":"2022-03-21 19:00:06","post_content_filtered":"","post_parent":0,"guid":"https:\/\/content.centerforfinancialinclusion.org\/?p=43996","menu_order":0,"post_type":"post","post_mime_type":"","comment_count":"0","filter":"raw","featured_image":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2022\/02\/iStock-589580906-1-e1646057151784.jpg","acf":{"types":{"term_id":28,"name":"Report","slug":"report","term_group":0,"term_taxonomy_id":28,"taxonomy":"types","description":"","parent":0,"count":128,"filter":"raw","term_order":"0"},"header":{"header_type":"post_cover","post_cover":{"description":"Using a Framework to Understand How Fintechs and their Customers Cope, Survive, and Thrive"},"post_aligned":{"description":""},"post_default":{"description":""}},"authors":[{"ID":26638,"post_author":"1","post_date":"2018-08-20 15:28:56","post_date_gmt":"2018-08-20 15:28:56","post_content":"","post_title":"Jayshree Venkatesan","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"jayshree-venkatesan","to_ping":"","pinged":"","post_modified":"2021-11-16 11:38:17","post_modified_gmt":"2021-11-16 15:38:17","post_content_filtered":"","post_parent":0,"guid":"http:\/\/cfi.accion.flywheelsites.com\/people\/jayshree-venkatesan\/","menu_order":0,"post_type":"people","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":26640,"post_author":"1","post_date":"2018-08-20 15:28:56","post_date_gmt":"2018-08-20 15:28:56","post_content":"","post_title":"Evelyn Stark","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"evelyn-stark","to_ping":"","pinged":"","post_modified":"2021-12-13 16:37:56","post_modified_gmt":"2021-12-13 20:37:56","post_content_filtered":"","post_parent":0,"guid":"http:\/\/cfi.accion.flywheelsites.com\/people\/evelyn-stark\/","menu_order":0,"post_type":"people","post_mime_type":"","comment_count":"0","filter":"raw"}],"meta_cta":{"download":true,"cta_button_text":"DOWNLOAD PUBLICATION","cta_media":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2022\/02\/A-PACT-to-Promote-Resilience-1.pdf","cta_url":"","additional_links":false},"blocks":false,"page_settings":{"":null,"email_sign_up":true,"show_related_content":true,"show_contextual_menu":false,"contextual_menu_cta":null,"replace_global":false,"hide_sticky_share":false,"hide_date_when_featured":false,"is_list_view":false,"premium":false,"preview_image":false,"description":""}},"url":"a-pact-to-promote-resilience"},{"ID":44129,"post_author":"87","post_date":"2022-03-15 16:34:42","post_date_gmt":"2022-03-15 20:34:42","post_content":"Imagine you\u2019re a young mother living on the outskirts of Kampala, Uganda. Due to unexpected medical expenses for your son, you decide to apply for a digital loan. You download a credit app that you heard about from a neighbor, answer a few questions about yourself, consent to have data on your phone shared, and wait 30 minutes. Then, you receive a rejection message: \u201cYour credit limit is 0 UGX.\u201d\r\n\r\nYou heard that having an active mobile wallet would increase your chances of being approved for a loan and made sure your MTN mobile wallet was active before applying. You\u2019re confused about why your loan application was rejected and wonder how to improve your future chances. Most importantly, you\u2019re still unsure how you will cover your son\u2019s medical expenses.\r\n\r\nUnderstanding the reasons behind credit decisions is increasingly more difficult as algorithms, rather than front-line staff, make and communicate outcomes. Complex algorithms<\/a>, fueled by alternative data, are driving finance decisions about and for customers -- from underwriting to insurance to eligibility for social protection<\/a>. As algorithms become more commonplace, we must look for ways to increase transparency around decisions and inform low-income customers about their options for rectification.\r\nIn the Dark on Automated Decisions<\/h1>\r\nIn honor of World Consumer Rights Day<\/a>, CFI is researching how credit decisions are made and communicated to low-income consumers, the rights consumers deserve, and the tools they need to understand \u2013 and be able to challenge \u2013 those decisions.\r\n\r\nIn the not-so-distant past, most financial institutions relied on front-line staff to make and communicate decisions to customers. If a customer was rejected for a loan or insurance product, she could ask a loan officer to explain how her history was evaluated and could work with the officer to correct data errors. However, as digital models leveraging algorithms gain traction, the transparency that customers used to rely on from their in-person engagements with loan officers or agents has disappeared.\r\n
As digital models leveraging algorithms gain traction, the transparency that customers used to rely on from their in-person engagements with loan officers or agents has disappeared.<\/blockquote>\r\nBecause most customers are unaware of how an underwriting algorithm works or what data inputs are used, many customers are also unclear about how a decision is made or whom to ask for more information. This lack of clarity was evident from CFI\u2019s survey-based research<\/a> in Rwanda. Out of a sample of 30 digital borrowers in Rwanda, 16 respondents had been rejected for a digital loan but only 10 of those recalled an explanation for the denial. Of those 10 who received an explanation, six were dissatisfied with the provider\u2019s communication; some received only a basic explanation such as, \u201cYour credit limit is zero.\u201d\r\n\r\nWhen the full survey sample was asked to describe what an acceptable explanation of loan denial might look like, there was a clear ask for more specificity and more communication. A 52-year-old woman shared her experience: \u201cThey denied me a loan because I delayed to repay when I was in a hospital and very sick. If they had called to explain the reason for the denial, I would have explained my condition.\u201d A 38-year-old woman reasoned: \u201cWhen you delay to repay, they call to remind you about the loan. They should then do the same when you are denied a loan.\u201d\r\nHelp for Consumers: Legislation, Awareness, Support<\/h1>\r\nSo, what can consumers do in this increasingly digital era? Most data protection frameworks give consumers the right to access and rectify their data. However, our Rwanda research suggests that consumers are largely unaware of what is being inputted in the first place. While data protection efforts \u2013 like the 2019 Kenyan Data Protection Act that gives individuals the right to request the rectification of personal data that is \u201cinaccurate, out-of-date, incomplete or misleading\u201d \u2013 are a good first step, more needs to be done to communicate to customers about the inputs, decisions, and digital rights.\r\n
More needs to be done to communicate to customers about the inputs, decisions, and digital rights.<\/blockquote>\r\nMany nascent data protection frameworks offer consumers the right to be informed if they\u2019ve been subjected to an automated decision by an algorithm, for example. For instance, the Rwandan Data Privacy Law<\/a> mandates that individuals should be informed about the logic involved in their automated decision at the time of personal data collection. Brazil\u2019s Data Protection Act<\/a> gives consumers the ability to ask for a review of a decision made with their personal data taken solely through automated processing; included in the review should be the criteria and procedures used for the decision.\r\n\r\nBut what this will look like in practice, and how it will be enforced, remains to be seen. And given what we know about the challenges facing low-income consumers in accessing and feeling empowered to use grievance redressal mechanisms, there is concern that these data rights will not be fully exercised in a way that keeps companies accountable.\r\n\r\nConsumer advocacy organizations are a potential avenue to help raise the voice of consumers vis-\u00e0-vis their digital rights. For instance, our research<\/a> on government-to-person digital payments during COVID-19 found that civil society organizations often were the first to sound the alarm about digital systems failing or customers poorly served.\r\n\r\nWhether it\u2019s a mother in Kenya applying for a credit product to pay for medical expenses, or a farmer looking to insure his crops in the face of an increasingly unpredictable climate, we must support consumers\u2019 voices and increase transparency around how digital decisioning is made.\r\n\r\nAlong with other leading consumer advocates around the world and in partnership with Consumers International<\/a>, we\u2019re excited to participate at the Fair Digital Finance Forum<\/a> this week. Take a look at their program<\/a> to get a lay of the land and stay up to date with CFI\u2019s consumer protection<\/a> workstream.<\/em>","post_title":"Understanding the Decision: Consumer Rights and Algorithmic Decision-Making","post_excerpt":"","post_status":"publish","comment_status":"open","ping_status":"open","post_password":"","post_name":"understanding-the-decision-consumer-rights-and-algorithmic-decision-making","to_ping":"","pinged":"","post_modified":"2022-03-15 16:36:15","post_modified_gmt":"2022-03-15 20:36:15","post_content_filtered":"","post_parent":0,"guid":"https:\/\/content.centerforfinancialinclusion.org\/?p=44129","menu_order":0,"post_type":"post","post_mime_type":"","comment_count":"0","filter":"raw","featured_image":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2022\/03\/iStock-1282482663.jpg","acf":{"types":{"term_id":3123,"name":"Blog Post","slug":"blog-post","term_group":0,"term_taxonomy_id":3123,"taxonomy":"types","description":"","parent":0,"count":2142,"filter":"raw","term_order":"0"},"header":{"header_type":"post_aligned","post_cover":{"description":""},"post_aligned":{"description":"CFI is honoring World Consumer Rights Day by calling attention to concerns around the transparency of algorithmic decisioning on products for low-income customers"},"post_default":{"description":""}},"authors":[{"ID":26330,"post_author":"1","post_date":"2018-08-20 13:50:31","post_date_gmt":"2018-08-20 13:50:31","post_content":"","post_title":"Alexandra (Alex) Rizzi","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"alexandra-alex-rizzi","to_ping":"","pinged":"","post_modified":"2021-03-02 17:16:39","post_modified_gmt":"2021-03-02 21:16:39","post_content_filtered":"","post_parent":0,"guid":"http:\/\/cfi.accion.flywheelsites.com\/people\/alexandra-rizzi\/","menu_order":0,"post_type":"people","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":26638,"post_author":"1","post_date":"2018-08-20 15:28:56","post_date_gmt":"2018-08-20 15:28:56","post_content":"","post_title":"Jayshree Venkatesan","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"jayshree-venkatesan","to_ping":"","pinged":"","post_modified":"2021-11-16 11:38:17","post_modified_gmt":"2021-11-16 15:38:17","post_content_filtered":"","post_parent":0,"guid":"http:\/\/cfi.accion.flywheelsites.com\/people\/jayshree-venkatesan\/","menu_order":0,"post_type":"people","post_mime_type":"","comment_count":"0","filter":"raw"}],"meta_cta":{"download":false,"cta_button_text":"","cta_media":false,"cta_url":"","additional_links":false},"blocks":false,"page_settings":{"":null,"email_sign_up":true,"show_related_content":true,"show_contextual_menu":false,"contextual_menu_cta":null,"replace_global":false,"hide_sticky_share":false,"hide_date_when_featured":false,"is_list_view":false,"premium":false,"preview_image":false,"description":""}},"url":"understanding-the-decision-consumer-rights-and-algorithmic-decision-making"},{"ID":44087,"post_author":"87","post_date":"2022-03-09 15:31:09","post_date_gmt":"2022-03-09 19:31:09","post_content":"In honor of<\/span> International Women\u2019s Day 2022<\/span> and <\/span>this year\u2019s<\/span> IWD theme of <\/span><\/span>#Break<\/span>T<\/span>heBias<\/span><\/span><\/a>, <\/span>CFI is <\/span>focused on shedding light on the <\/span>biases that hinder the advancement of women\u2019s financial inclusion<\/a>.<\/span> CFI applies a gender lens across all <\/span>its<\/span> research, <\/span>working to <\/span>understand and address <\/span>barriers to <\/span>women\u2019s financial inclusion and economic empowerment<\/span>.<\/span><\/span><\/em>\r\nOnline Safety and Security Risks Present Barriers for Women\u2019s Financial Inclusion<\/span><\/b><\/h2>\r\nAlthough the pandemic has <\/span>accelerated the use of digital financial services<\/span><\/a> and mobile phones provided opportunities to pivot businesses, stay connected, and continue working, <\/span>mobile ownership remained flat<\/span><\/a> among women in low- and middle-income countries during COVID. As we look to make progress on women\u2019s financial inclusion, we must also look at what is needed to help women feel safe and able to use mobile financial services.<\/span>\u00a0<\/span>\r\n\r\nSafety and security are crucial components for online gender equity. And are a necessary and first step to using digital financial services. The <\/span>GSMA Mobile Gender Gap Report 2021<\/span><\/a> reported safety and security in accessing mobile internet as the third barrier to women\u2019s mobile internet access, behind literacy and affordability. As digital financial services become commonplace, ensuring safe and secure online spaces is a crucial first step towards inclusive finance for women. However, safety and security risks present barriers to mobile adoption for many women, ultimately impeding women\u2019s access to and trust in mobile financial services.<\/span>\r\n
Why <\/span>Digital Safety and Security Are Especially <\/span>Concerning<\/span> for Women<\/span><\/span><\/h2>\r\nWhile there are risks to online environments that can make anyone \u2013 man or woman \u2013 feel unsafe, it is important to understand that these risks can often be heightened for women. <\/span>Online environments<\/span><\/a> can mimic and exacerbate risks in the physical environment that stem from offline gender norms and discrimination against women. The internet poses numerous risks \u2013 ranging from a higher potential for fraud, surveillance, and identity theft, to targeted violence, misuse of personal images and data, and sharing inappropriate content or behavior. The fear of being unable to cope with any of these \u2013 combined with the lack of redressal options and the absence of affordable legal recourse mechanisms \u2013 can lead to feeling unsafe.<\/span>\r\n
Online environments<\/span> can mimic and exacerbate risks in the physical environment that stem from offline gender norms and discrimination against women.<\/span><\/blockquote>\r\nCultural norms and ideologies<\/span><\/a> that limit women\u2019s freedom of movement often translate into restrictions in accessing the internet, or even having access to a mobile phone. <\/span>Others face consequences, or social censure from having an online presence<\/span><\/a> reinforcing norms experienced in the real world. These barriers shape women\u2019s online behavior and create significant obstacles for usage, exacerbating the mobile gender gap.<\/span>\r\n\r\nIn addition to mimicking and exacerbating risks online, gender norms in the real world can shape one\u2019s online behavior. <\/span>Research in India<\/span><\/a> showed that the very act of going online can violate expectations of a woman\u2019s behavior in society. Women are told they should not talk to men outside their family or be accused of \u201cimproper\u201d behavior. The fear of being discovered online by family or extended family forces women to minimize their online footprint and reduce their internet usage.<\/span>\r\nIn societies with hegemonic gender ideologies, the woman is almost always blamed for everything that goes wrong.<\/span><\/blockquote>\r\nFurthermore, the perception of women being more vulnerable is reinforced by a lack of clarity on recourse mechanisms, which often do not exist. If recourse mechanisms do exist, in some cultural contexts, women may be blamed for putting themselves in a compromising situation or may not have the courage to speak up. Finally, countering online harassment can be harder for women because it is often subversive, can be conducted through one-on-one interactions, and is difficult to track and trace since abuser identities are often hidden or fake. In societies with hegemonic gender ideologies, the woman is almost always blamed for everything that goes wrong.<\/span>\r\nWhat Can Be Done to Support a <\/span>S<\/span>afe and <\/span>S<\/span>ecure <\/span>Online E<\/span>nvironment for <\/span>W<\/span>omen<\/span><\/span><\/h2>\r\nCreating a safe and secure online environment for women to transact will need cross-sector collaboration and will require efforts from multiple stakeholders. Below are a few ideas for ways to better support women with online and digital services.<\/span>\r\n
\r\n \t
- \r\n
Financial service providers or fintechs that develop apps have a responsibility to ensure that principles of necessity and <\/span><\/b>proportionality<\/span><\/b><\/a> are followed when seeking user data. <\/span><\/b><\/h3>\r\nRequesting access to photographs on phone galleries, or getting access to phone contacts should not be automatic, and must be restricted for access and use by employees of a fintech who use this to <\/span>collect overdue loans<\/span><\/a>, or follow up on payments. This can prevent <\/span>misuse and harassment<\/span><\/a> that specifically targets women.<\/span><\/li>\r\n \t
- \r\n
Design easier complaint processes.<\/span><\/b><\/h3>\r\nIPA\u2019s <\/span>research in Nigeria<\/span><\/a> shows that even with digital products, customers tend to resolve challenges in person. And when complaints remain unresolved, usage tends to drop. Apps should have easy-to-access safety mechanisms that can help them block calls or alert the provider through a help button, in case of an emergency. Additionally, customers who have <\/span>lower income and education levels<\/span><\/a> are <\/span>less likely<\/span><\/a> to use formal redress channels. Initiatives like \u2018<\/span>Digital Safe-tea\u2019<\/span><\/a>,<\/span> an interactive fiction game about digital safety issues, can help alert women on rules to follow in an online or digital world. Using peer learning mechanisms also could help women learn how to navigate digital environments safely.<\/span><\/span><\/li>\r\n \t
- \r\n
Create a conducive policy and legal environment for data rights.<\/span><\/b><\/h3>\r\n Sharing information may be crucial to enable access to digital financial services. However, FSPs, MNOs and other actors involved should have data sharing policies and be held accountable when this data is misused by their employees or agents, or when there are data breaches. When customers receive calls from people who claim they are from a specific company or have access to personal information, there should be a way to verify the information or report it to the company and a central authority that can adjudicate on the breach of rights.<\/span><\/li>\r\n<\/ol>\r\n
Women will only trust the digital environment if they feel safe enough to report online incidents and if these reports are acted upon.<\/span><\/blockquote>\r\nWomen will only trust the digital environment if they feel safe enough to report online incidents and if these reports are acted upon. Inclusion can only take place if there is a common culture that respects all customer voices. We need to better encourage women, or anyone facing abuse and discrimination, that if they see something, they need to say something. As we work to break the biases that hinder women\u2019s financial inclusion and, ultimately women\u2019s economic empowerment, ensuring safe and secure online spaces is a crucial first step.<\/span>","post_title":"If You See Something, Say Something","post_excerpt":"","post_status":"publish","comment_status":"open","ping_status":"open","post_password":"","post_name":"if-you-see-something-say-something","to_ping":"","pinged":"","post_modified":"2022-03-10 11:44:52","post_modified_gmt":"2022-03-10 15:44:52","post_content_filtered":"","post_parent":0,"guid":"https:\/\/content.centerforfinancialinclusion.org\/?p=44087","menu_order":0,"post_type":"post","post_mime_type":"","comment_count":"0","filter":"raw","featured_image":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2022\/03\/iStock-1309082478-1.jpg","acf":{"types":{"term_id":3123,"name":"Blog Post","slug":"blog-post","term_group":0,"term_taxonomy_id":3123,"taxonomy":"types","description":"","parent":0,"count":2142,"filter":"raw","term_order":"0"},"header":{"header_type":"post_aligned","post_cover":{"description":""},"post_aligned":{"description":""},"post_default":{"description":""}},"authors":[{"ID":26638,"post_author":"1","post_date":"2018-08-20 15:28:56","post_date_gmt":"2018-08-20 15:28:56","post_content":"","post_title":"Jayshree Venkatesan","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"jayshree-venkatesan","to_ping":"","pinged":"","post_modified":"2021-11-16 11:38:17","post_modified_gmt":"2021-11-16 15:38:17","post_content_filtered":"","post_parent":0,"guid":"http:\/\/cfi.accion.flywheelsites.com\/people\/jayshree-venkatesan\/","menu_order":0,"post_type":"people","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":26330,"post_author":"1","post_date":"2018-08-20 13:50:31","post_date_gmt":"2018-08-20 13:50:31","post_content":"","post_title":"Alexandra (Alex) Rizzi","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"alexandra-alex-rizzi","to_ping":"","pinged":"","post_modified":"2021-03-02 17:16:39","post_modified_gmt":"2021-03-02 21:16:39","post_content_filtered":"","post_parent":0,"guid":"http:\/\/cfi.accion.flywheelsites.com\/people\/alexandra-rizzi\/","menu_order":0,"post_type":"people","post_mime_type":"","comment_count":"0","filter":"raw"}],"meta_cta":{"download":false,"cta_button_text":"","cta_media":false,"cta_url":"","additional_links":false},"blocks":false,"page_settings":{"":null,"email_sign_up":true,"show_related_content":true,"show_contextual_menu":false,"contextual_menu_cta":null,"replace_global":false,"hide_sticky_share":false,"hide_date_when_featured":false,"is_list_view":false,"premium":false,"preview_image":false,"description":""}},"url":"if-you-see-something-say-something"},{"ID":43849,"post_author":"87","post_date":"2022-01-19 17:09:48","post_date_gmt":"2022-01-19 21:09:48","post_content":"Financial capability is the capacity to make and execute financial decisions that support one\u2019s wellbeing and that fit within one\u2019s lifestyle and environmental circumstances. Yet, how can financial service providers (FSPs) help their customers build financial capability, and how can they measure customers\u2019 progress? CFI, in partnership with MetLife Foundation, launched a project in February 2018 to enhance financial customer engagement by building their capabilities. The project aims to develop and promote digital tools that FSPs can use to diagnose clients\u2019 financial health, identify gaps, and develop actionable plans to improve financial well-being. To date, the project has partnered with two FSPs \u2013 Grassland Finance Limited<\/a> and FINCA Kosovo<\/a> \u2013 to design and deploy a minimum viable product (MVP) web application aimed to build financial capability using a customer-centric and behavioral-driven approach. This post shares initial learnings from the pilots.\r\nBackground<\/strong><\/h2>\r\n
Why Focus on Financial Capability? <\/strong><\/h3>\r\nFinancial capability building<\/a> equips people with the knowledge, skills, attitudes, and behaviors (KSABs) necessary to achieve their desired financial and personal outcomes. Knowledge is a person\u2019s understanding of a subject, skills are the proficiencies a person has to apply to specific situations, attitudes are a person\u2019s general perceptions of a subject, and behaviors are the actions that a person demonstrates.\r\n\r\nBuilding customers\u2019 financial capability is good for both the customer and the FSP. While the link between earnings and a non-financial service, such as financial capability building, might not be immediately obvious, evidence exists<\/a> that financially capable customers make for a financially sound portfolio<\/a>, barring macroeconomic volatility. Financially capable borrowers are more likely to repay their loan, thus boosting FSPs\u2019 profitability by lowering the problem loan ratio. Additionally, financially capable customers are more likely to be eligible for loan renewals, and retaining customers costs less<\/a> than acquiring new ones.\r\n
Why Develop an App? <\/strong><\/h3>\r\nWhile many FSPs continue to focus on digital transformation, limitations in technology infrastructure and financial resources pose key barriers to digitalization. With these challenges in mind, CFI and MetLife created FinVenture, a mobile-compatible, browser-based web app. FinVenture aims to build customers\u2019 financial capability by presenting users with a series of relevant activities to complete in return for rewards.\r\n\r\nThe MVP app was designed with the following goals:\r\n
\r\n \t
- maximize availability across devices<\/li>\r\n \t
- reduce steps required to access<\/li>\r\n \t
- allow for operation independent of an FSP\u2019s existing IT infrastructure<\/li>\r\n \t
- minimize the risk of having complex technology be a distraction \u2013 a common pitfall in digitalization<\/a>, and<\/li>\r\n \t
- allow ample room for iteration.<\/li>\r\n<\/ol>\r\nFinally, and importantly for customer engagement, FinVenture\u2019s simple design and interface ensure that customers with basic digital literacy could engage with it.\r\n
Lessons Learned<\/strong><\/h2>\r\nThe following three key takeaways have come out of our pilots with Grassland Finance Limited and FINCA Kosovo. These pilots are expected to run until June 2022. After that, an analysis of user engagement and feedback will be instrumental in determining the future of the FinVenture platform and our partners\u2019 financial capability-building activities.\r\n
Lesson 1: Build Activities Around \u201cKSABs\u201d <\/strong><\/h3>\r\nIf financial literacy interventions have taught us anything, it is that focusing solely on improving knowledge and skills, which traditionally relies on rote memorization and lecture-based learning, is not sufficient for improving financial outcomes. With this in mind, CFI used the four financial capability components -- the knowledge, skills, attitudes, and behaviors (KSABs) -- as the launching point to design a diverse set of activity types.\r\n\r\nFollowing extensive user research, we determined a core set of activity types that offer variety while also prioritizing the need for simplicity and functionality. The table below illustrates how each activity type -- namely, quizzes based on articles and case studies, financial tracking tools, and surveys -- is expected to enhance a financial capability component.\r\n\r\n\r\n\r\n\r\n
Lesson 2: Structure the App Content to Allow for Personalization<\/strong><\/h3>\r\nTo make the content as relevant as possible for each user, the FinVenture app encourages users to begin by completing an introductory activity to measure their baseline level of financial capability. The introductory activity primes users to reflect on their financial goals and create a personalized experience based on those goals. Users are then prompted to select up to three activities to complete at a time. This structure allows FSPs to leverage user engagement data to inform the design of products and services that can best help customers achieve their financial goals.\r\n\r\nFor many customers, the breadth of financial information available can be a deterrent from thinking meaningfully about their finances. Creating an organizing structure that is based on financial goals is one way to help overcome potential information overload. We identified core financial goals \u2013 namely money management, planning, resilience, and use of financial services \u2013 to shape the FinVenture modules.\r\n
<\/h3>\r\n
<\/h3>\r\n
Lesson 3: Build Incentives to Keep Users Engaged<\/strong><\/h3>\r\nTo incentivize user engagement, FinVenture\u2019s point system (FINWALLET) contributes to internal motivation while also providing institutions the option to offer material rewards. By allowing partners the ability to choose what rewards to give, the app can be customized to encourage user engagement. One of our pilot partners, Grassland, chose to integrate FinVenture into their client education platform<\/a> and set up a rewards system in which clients can exchange FinVenture points for a variety of rewards, ranging from tangible gifts such as a reusable grocery bag to lump-sum discounts that can be applied to their loan installment payments.\r\n
Considerations for Future App-Based Financial Capability Interventions <\/strong><\/h2>\r\nAlthough the following features didn\u2019t make the FinVenture MVP development due to resource and time constraints, they are worth mentioning for FSPs that are considering developing a financial capability-building app. These features draw from our user research, behavioral science best practices, and pilot partner suggestions.\r\n
Peer Exchange<\/strong><\/h3>\r\nOne way to strengthen an app\u2019s effectiveness in shifting attitudes would be to incorporate a peer exchange functionality \u2013 for example, users could share financial milestones achieved or personal finance hacks that have worked for them. Using social media<\/a> and storytelling<\/a> has proven to be effective for influencing attitudes and changing behaviors.\r\n
Soliciting Customer Feedback to Inform Content<\/strong><\/h3>\r\nAnother way to increase user engagement would be to have customers identify where they need help. If an app provided initial recommendations of topics, these could be further refined based on users\u2019 activity engagement and performance. In addition, the FSP can leverage its established feedback channels such as social media, focus groups, or email to take requests from customers. This added feature would allow customers to better chart their own course to improve their financial capability.\r\n
Group Activities <\/strong><\/h3>\r\nFSPs can leverage peer and social relationships to encourage financial capability-building behaviors by presenting users with a series of tasks as part of a team in return for rewards. This is worth exploring for users who share financial responsibility with other household members.\r\n
Conclusion<\/h2>\r\nThis project has begun to shed light on how FSPs can use a customer-centric and behaviorally-informed app to begin building customers\u2019 financial capability. In addition to the financial benefits for FSPs that result from having financially capable clients, investing in the financial success of customers strengthens customer relationships and has the potential to further financial inclusion.","post_title":"Improving Customer Financial Capability Through a Digital App: Lessons Learned from Pilots with Two FSPs","post_excerpt":"","post_status":"publish","comment_status":"open","ping_status":"open","post_password":"","post_name":"improving-customer-financial-capability-through-a-digital-app-lessons-learned-from-pilots-with-two-fsps","to_ping":"","pinged":"","post_modified":"2022-01-19 17:09:48","post_modified_gmt":"2022-01-19 21:09:48","post_content_filtered":"","post_parent":0,"guid":"https:\/\/content.centerforfinancialinclusion.org\/?p=43849","menu_order":0,"post_type":"post","post_mime_type":"","comment_count":"0","filter":"raw","featured_image":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2022\/01\/iStock-1160989277.jpg","acf":{"types":{"term_id":3123,"name":"Blog Post","slug":"blog-post","term_group":0,"term_taxonomy_id":3123,"taxonomy":"types","description":"","parent":0,"count":2142,"filter":"raw","term_order":"0"},"header":{"header_type":"post_aligned","post_cover":{"description":""},"post_aligned":{"description":""},"post_default":{"description":""}},"authors":[{"ID":26376,"post_author":"1","post_date":"2018-08-20 13:50:32","post_date_gmt":"2018-08-20 13:50:32","post_content":"","post_title":"Jacqueline Foelster","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"jacqueline-foelster","to_ping":"","pinged":"","post_modified":"2022-02-11 16:29:37","post_modified_gmt":"2022-02-11 20:29:37","post_content_filtered":"","post_parent":0,"guid":"http:\/\/cfi.accion.flywheelsites.com\/people\/jacqueline-foelster\/","menu_order":0,"post_type":"people","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":38905,"post_author":"62","post_date":"2020-06-11 12:44:06","post_date_gmt":"2020-06-11 16:44:06","post_content":"","post_title":"Henry Bruce","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"henry-bruce","to_ping":"","pinged":"","post_modified":"2022-01-11 12:49:00","post_modified_gmt":"2022-01-11 16:49:00","post_content_filtered":"","post_parent":0,"guid":"https:\/\/content.centerforfinancialinclusion.org\/?post_type=people&p=38905","menu_order":0,"post_type":"people","post_mime_type":"","comment_count":"0","filter":"raw"}],"meta_cta":{"download":false,"cta_button_text":"","cta_media":false,"cta_url":"","additional_links":false},"blocks":false,"page_settings":{"":null,"email_sign_up":true,"show_related_content":true,"show_contextual_menu":false,"contextual_menu_cta":null,"replace_global":false,"hide_sticky_share":false,"hide_date_when_featured":false,"is_list_view":false,"premium":false,"preview_image":false,"description":""}},"url":"improving-customer-financial-capability-through-a-digital-app-lessons-learned-from-pilots-with-two-fsps"},{"ID":43782,"post_author":"87","post_date":"2021-12-21 17:56:25","post_date_gmt":"2021-12-21 21:56:25","post_content":"Consumers all over the world may not know it, but many decisions about and for them are increasingly made by algorithms. Eighty percent of viewing activity on Netflix is driven by recommendations from algorithms; a doctor might recommend a course of treatment based on an algorithm that uses patient DNA; social protection programs<\/a> might determine eligibility for an assistance payment using an algorithm that crunches your mobile phone transactions; and financial providers can determine your creditworthiness or insurability based on algorithms that leverage alternative data.\r\n\r\nA persistent challenge in reaching low-income and vulnerable populations with financial services has been a limited availability of data. In recent years the growth of consumer data trails in emerging markets, largely generated by mobile phones, has helped change the equation alongside powerful new analytical tools. But what data goes into consequential algorithms, how it is used, and whether it leads to inclusion \u2014 or bias and exclusion \u2014 is largely a black box to consumers, as well as governments. While the expansion in consumer data and companies leveraging artificial intelligence (AI) technology can advance financial inclusion, these technologies introduce new risks and may reinforce historical patterns of bias and exclusion, with potentially harmful consequences for consumers.\r\n
These technologies introduce new risks and may reinforce historical patterns of bias and exclusion, with potentially harmful consequences for consumers.<\/blockquote>\r\nCentral banks and policymakers have long faced the challenge of balancing financial innovation, market growth, and inclusion alongside competition, stability, and consumer safety. That balancing act has been made more difficult by the speed and scope of financial innovation, technology, and algorithms of increasing sophistication. In emerging markets and developing countries in particular, the increased use of mobile phone data for consequential decisions has raised the profile and potential risks of these tools.\r\n\r\nThere is a growing recognition that governments\u00a0require\u00a0ways\u00a0to\u00a0assess consumer risks and opportunities\u00a0in the deployment of these algorithms and AI systems, as well as methods\u00a0to amplify\u00a0the\u00a0opportunities\u00a0and mitigate risks\u00a0\u2014\u00a0all without quashing innovation. But, how?\r\n\r\nEarlier this month, H.M. Queen M\u00e1xima of the Netherlands, the United Nations Secretary-General\u2019s Special Advocate for Inclusive Finance for Development (UNSGSA), co-hosted a virtual workshop<\/a> with the Center for Financial Inclusion (CFI) to raise awareness and address algorithm biases for financial inclusion. Queen M\u00e1xima and CFI Managing Director Mayada El-Zoghbi co-chaired the meeting, which convened leadership from select central banks and other subject matter experts. The workshop examined how to identify and assess these emerging risks, discussed existing risk mitigation tools, and identified opportunities for further research.\r\n\r\nThe challenge of bias in financial services is not new and many countries already have financial sector\u202fanti-discrimination laws that hold financial institutions to fair lending practices, including just under half of emerging markets. The Equal Credit Opportunity Act in the United States, which was passed in 1974, for instance, makes credit discrimination based on protected classes illegal. But it runs into limits in the face of algorithmic lending as it also restricts lenders<\/a> from collecting demographic information on borrowers. Given the current methods for testing algorithms, this missing demographic data makes disparate impact testing much harder. While the Equal Credit Opportunity Act and similar antidiscrimination laws could be used to hold companies accountable, they will grapple with understandable privacy concerns.\r\n\r\nA second potential avenue for accountability could be through data protection\u202flaws, the\u202fmost well-known\u202fbeing the European Union\u2019s General Data Protection Regulation (GDPR).\u202f\u202fWhile GDPR requires that processors assess any high-risk data system, like a new credit scoring algorithm, it does not amount to an audit. GDPR and the laws it has inspired also enumerate individual rights for consumers including the right to an explanation of an automated decision and the right to have your data rectified by a provider if it is incorrect. But we worry, how likely is it that low-income consumers (or consumers writ-large, really) will be aware enough to be empowered by these rights?\u202f If consumers are not aware of\u202fhow their data is being used<\/a>,\u202fthey are less likely to exercise their rights, raise their collective voice, and seek accountability for algorithmic decisions.\r\nIf consumers are not aware of\u202fhow their data is being used, they are less likely to exercise their rights, raise their collective voice, and seek accountability for algorithmic decisions.<\/blockquote>\r\nIn recognition of the limits of existing approaches, some countries have drafted national AI policies or frameworks. These policies work to establish the level of risk for discrete AI systems and how to assign levels of supervision. For instance, the EU introduced a draft law that would require Algorithmic Impact Assessments<\/a> for high-risk systems, such as automated credit decisions. Such proposed auditing would require technical expertise within governments and some degree of disclosure of the source code and data. We foresee challenges in implementing such audits in many markets due to gaps in government resources and staffing, as well as challenges in creating standards for auditing that balance supervision with innovation and the proprietary nature of the codes.\r\n\r\nOne of the ways that governments are engaging is through test and learn partnerships with fintechs. For instance, in the US the Consumer Financial Protection Bureau (CFPB) has granted a no action letter<\/a> to Upstart Networks, an online lender that uses alternative data. The letter essentially immunizes Upstart from regulatory action and in exchange, Upstart provides information about its loan applications, methodology for decision-making, and whether its loans expand financial inclusion. Other governments have also conducted test and learn engagements with fintechs, as well as create fora for enhanced private-public engagement such as the AI Forum in the Netherlands and Project Veritas in Singapore. Other emerging approaches include working across regulators, such as the Digital Markets Taskforce in the UK.\r\n\r\nWhile there are some strong examples and initial work that could be shared, clearly, there is also still much to learn. What enhancements to existing legal frameworks are necessary to address the new or shifting risks in the use of AI in digital financial services? What digital public goods can help mitigate attendant risks? How can supervisors and regulators build capacity to understand data inputs and use cases, and develop principles and assessment methodologies that are regularly evaluated? These questions would best be answered through research and dialogue among and across regulators, as well as the private sector. Only through a concerted effort will the enormous potential of algorithms and AI extend the reach of financial services in a manner that is inclusive, safe, and fair for customers.","post_title":"Accountability for Algorithms: A Balancing Act for Governments","post_excerpt":"","post_status":"publish","comment_status":"open","ping_status":"open","post_password":"","post_name":"accountability-for-algorithms-a-balancing-act-for-governments","to_ping":"","pinged":"","post_modified":"2021-12-21 20:11:37","post_modified_gmt":"2021-12-22 00:11:37","post_content_filtered":"","post_parent":0,"guid":"https:\/\/content.centerforfinancialinclusion.org\/?p=43782","menu_order":0,"post_type":"post","post_mime_type":"","comment_count":"0","filter":"raw","featured_image":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2021\/12\/iStock-1280731333.jpg","acf":{"types":{"term_id":3123,"name":"Blog Post","slug":"blog-post","term_group":0,"term_taxonomy_id":3123,"taxonomy":"types","description":"","parent":0,"count":2142,"filter":"raw","term_order":"0"},"header":{"header_type":"post_aligned","post_cover":{"description":""},"post_aligned":{"description":""},"post_default":{"description":""}},"authors":[{"ID":26330,"post_author":"1","post_date":"2018-08-20 13:50:31","post_date_gmt":"2018-08-20 13:50:31","post_content":"","post_title":"Alexandra (Alex) Rizzi","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"alexandra-alex-rizzi","to_ping":"","pinged":"","post_modified":"2021-03-02 17:16:39","post_modified_gmt":"2021-03-02 21:16:39","post_content_filtered":"","post_parent":0,"guid":"http:\/\/cfi.accion.flywheelsites.com\/people\/alexandra-rizzi\/","menu_order":0,"post_type":"people","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":43793,"post_author":"75","post_date":"2021-12-21 12:56:04","post_date_gmt":"2021-12-21 16:56:04","post_content":"","post_title":"Pia Roman Tayag","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"pia-roman-tayag","to_ping":"","pinged":"","post_modified":"2021-12-21 18:29:02","post_modified_gmt":"2021-12-21 22:29:02","post_content_filtered":"","post_parent":0,"guid":"https:\/\/content.centerforfinancialinclusion.org\/?post_type=people&p=43793","menu_order":0,"post_type":"people","post_mime_type":"","comment_count":"0","filter":"raw"}],"meta_cta":{"download":false,"cta_button_text":"","cta_media":false,"cta_url":"","additional_links":false},"blocks":false,"page_settings":{"":null,"email_sign_up":true,"show_related_content":true,"show_contextual_menu":false,"contextual_menu_cta":null,"replace_global":false,"hide_sticky_share":false,"hide_date_when_featured":false,"is_list_view":false,"premium":false,"preview_image":false,"description":""}},"url":"accountability-for-algorithms-a-balancing-act-for-governments"}]}},"featured_image_url":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2019\/06\/Leveraging_Tech_Agent-Models_Cover-Image.png","featured_image_caption":"","parent_slug":false,"parent_name":false,"taxonomy_terms":{"post_format":{"name":"post_format","label":"Formats","labels":{"name":"Formats","singular_name":"Format","search_items":"Search Tags","popular_items":"Popular Tags","all_items":"Formats","parent_item":null,"parent_item_colon":null,"name_field_description":"The name is how it appears on your site.","slug_field_description":"The “slug” is the URL-friendly version of the name. It is usually all lowercase and contains only letters, numbers, and hyphens.","parent_field_description":null,"desc_field_description":"The description is not prominent by default; however, some themes may show it.","edit_item":"Edit Tag","view_item":"View Tag","update_item":"Update Tag","add_new_item":"Add New Tag","new_item_name":"New Tag Name","separate_items_with_commas":"Separate tags with commas","add_or_remove_items":"Add or remove tags","choose_from_most_used":"Choose from the most used tags","not_found":"No tags found.","no_terms":"No tags","filter_by_item":null,"items_list_navigation":"Tags list navigation","items_list":"Tags list","most_used":"Most Used","back_to_items":"← Go to Tags","item_link":"Tag Link","item_link_description":"A link to a tag.","menu_name":"Formats","name_admin_bar":"Format","archives":"Formats"},"description":"","public":true,"publicly_queryable":true,"hierarchical":false,"show_ui":false,"show_in_menu":false,"show_in_nav_menus":false,"show_tagcloud":false,"show_in_quick_edit":false,"show_admin_column":false,"meta_box_cb":"post_tags_meta_box","meta_box_sanitize_cb":"taxonomy_meta_box_sanitize_cb_input","object_type":["post"],"cap":{"manage_terms":"manage_categories","edit_terms":"manage_categories","delete_terms":"manage_categories","assign_terms":"edit_posts"},"rewrite":{"with_front":true,"hierarchical":false,"ep_mask":0,"slug":"type"},"query_var":"post_format","update_count_callback":"","show_in_rest":false,"rest_base":false,"rest_namespace":false,"rest_controller_class":false,"rest_controller":null,"default_term":null,"sort":null,"args":null,"_builtin":true},"regions":{"name":"regions","label":"Regions","labels":{"name":"Regions","singular_name":"Region","search_items":"Search Regions","popular_items":"Popular Regions","all_items":"All Regions","parent_item":"Parent Region","parent_item_colon":"Parent Region:","name_field_description":"The name is how it appears on your site.","slug_field_description":"The “slug” is the URL-friendly version of the name. It is usually all lowercase and contains only letters, numbers, and hyphens.","parent_field_description":"Assign a parent term to create a hierarchy. The term Jazz, for example, would be the parent of Bebop and Big Band.","desc_field_description":"The description is not prominent by default; however, some themes may show it.","edit_item":"Edit Region","view_item":"View Category","update_item":"Update Region","add_new_item":"Add new Region","new_item_name":"New Region name","separate_items_with_commas":"Separate Regions with commas","add_or_remove_items":"Add or remove Regions","choose_from_most_used":"Choose from the most used Regions","not_found":"No categories found.","no_terms":"No categories","filter_by_item":"Filter by category","items_list_navigation":"Categories list navigation","items_list":"Categories list","most_used":"Most Used","back_to_items":"← Go to Categories","item_link":"Category Link","item_link_description":"A link to a category.","menu_name":"Regions","name_admin_bar":"Region","archives":"All Regions"},"description":"","public":true,"publicly_queryable":true,"hierarchical":true,"show_ui":true,"show_in_menu":true,"show_in_nav_menus":true,"show_tagcloud":true,"show_in_quick_edit":false,"show_admin_column":false,"meta_box_cb":"post_categories_meta_box","meta_box_sanitize_cb":"taxonomy_meta_box_sanitize_cb_checkboxes","object_type":["post","page","people"],"cap":{"manage_terms":"manage_categories","edit_terms":"manage_categories","delete_terms":"manage_categories","assign_terms":"edit_posts"},"rewrite":{"with_front":true,"hierarchical":false,"ep_mask":0,"slug":"regions"},"query_var":"regions","update_count_callback":"","show_in_rest":true,"rest_base":"regions","rest_namespace":"wp\/v2","rest_controller_class":false,"rest_controller":{},"default_term":null,"sort":null,"args":null,"_builtin":false},"series":{"name":"series","label":"Series","labels":{"name":"Series","singular_name":"Series","search_items":"Search Series","popular_items":"Popular Series","all_items":"All Series","parent_item":"Parent Series","parent_item_colon":"Parent Series:","name_field_description":"The name is how it appears on your site.","slug_field_description":"The “slug” is the URL-friendly version of the name. It is usually all lowercase and contains only letters, numbers, and hyphens.","parent_field_description":null,"desc_field_description":"The description is not prominent by default; however, some themes may show it.","edit_item":"Edit Series","view_item":"View Tag","update_item":"Update Series","add_new_item":"Add new Series","new_item_name":"New Series name","separate_items_with_commas":"Separate Series with commas","add_or_remove_items":"Add or remove Series","choose_from_most_used":"Choose from the most used Series","not_found":"No tags found.","no_terms":"No tags","filter_by_item":null,"items_list_navigation":"Tags list navigation","items_list":"Tags list","most_used":"Most Used","back_to_items":"← Go to Tags","item_link":"Tag Link","item_link_description":"A link to a tag.","menu_name":"Series","name_admin_bar":"Series","archives":"All Series"},"description":"","public":true,"publicly_queryable":true,"hierarchical":false,"show_ui":true,"show_in_menu":true,"show_in_nav_menus":true,"show_tagcloud":true,"show_in_quick_edit":false,"show_admin_column":false,"meta_box_cb":"post_tags_meta_box","meta_box_sanitize_cb":"taxonomy_meta_box_sanitize_cb_input","object_type":["post","page","resources"],"cap":{"manage_terms":"manage_categories","edit_terms":"manage_categories","delete_terms":"manage_categories","assign_terms":"edit_posts"},"rewrite":{"with_front":true,"hierarchical":false,"ep_mask":0,"slug":"series"},"query_var":"series","update_count_callback":"","show_in_rest":true,"rest_base":null,"rest_namespace":"wp\/v2","rest_controller_class":false,"rest_controller":{},"default_term":null,"sort":null,"args":null,"_builtin":false},"types":{"name":"types","label":"Content Types","labels":{"name":"Content Types","singular_name":"Content type","search_items":"Search Content Types","popular_items":"Popular Content Types","all_items":"All Content Types","parent_item":"Parent Content type","parent_item_colon":"Parent Content type:","name_field_description":"The name is how it appears on your site.","slug_field_description":"The “slug” is the URL-friendly version of the name. It is usually all lowercase and contains only letters, numbers, and hyphens.","parent_field_description":null,"desc_field_description":"The description is not prominent by default; however, some themes may show it.","edit_item":"Edit Content type","view_item":"View Tag","update_item":"Update Content type","add_new_item":"Add new Content type","new_item_name":"New Content type name","separate_items_with_commas":"Separate Content Types with commas","add_or_remove_items":"Add or remove Content Types","choose_from_most_used":"Choose from the most used Content Types","not_found":"No tags found.","no_terms":"No tags","filter_by_item":null,"items_list_navigation":"Tags list navigation","items_list":"Tags list","most_used":"Most Used","back_to_items":"← Go to Tags","item_link":"Tag Link","item_link_description":"A link to a tag.","menu_name":"Content Types","name_admin_bar":"Content type","archives":"All Content Types"},"description":"","public":true,"publicly_queryable":true,"hierarchical":false,"show_ui":true,"show_in_menu":true,"show_in_nav_menus":true,"show_tagcloud":true,"show_in_quick_edit":false,"show_admin_column":true,"meta_box_cb":"post_tags_meta_box","meta_box_sanitize_cb":"taxonomy_meta_box_sanitize_cb_input","object_type":["post"],"cap":{"manage_terms":"manage_categories","edit_terms":"manage_categories","delete_terms":"manage_categories","assign_terms":"edit_posts"},"rewrite":{"with_front":true,"hierarchical":false,"ep_mask":0,"slug":"types"},"query_var":"types","update_count_callback":"","show_in_rest":true,"rest_base":null,"rest_namespace":"wp\/v2","rest_controller_class":false,"rest_controller":{},"default_term":null,"sort":null,"args":null,"_builtin":false},"client":{"name":"client","label":"Clients","labels":{"name":"Clients","singular_name":"Client","search_items":"Search Clients","popular_items":"Popular Clients","all_items":"All Clients","parent_item":"Parent Client","parent_item_colon":"Parent Client:","name_field_description":"The name is how it appears on your site.","slug_field_description":"The “slug” is the URL-friendly version of the name. It is usually all lowercase and contains only letters, numbers, and hyphens.","parent_field_description":null,"desc_field_description":"The description is not prominent by default; however, some themes may show it.","edit_item":"Edit Client","view_item":"View Tag","update_item":"Update Client","add_new_item":"Add new Client","new_item_name":"New Client name","separate_items_with_commas":"Separate Clients with commas","add_or_remove_items":"Add or remove Clients","choose_from_most_used":"Choose from the most used Clients","not_found":"No tags found.","no_terms":"No tags","filter_by_item":null,"items_list_navigation":"Tags list navigation","items_list":"Tags list","most_used":"Most Used","back_to_items":"← Go to Tags","item_link":"Tag Link","item_link_description":"A link to a tag.","menu_name":"Clients","name_admin_bar":"Client","archives":"All Clients"},"description":"","public":true,"publicly_queryable":true,"hierarchical":false,"show_ui":true,"show_in_menu":true,"show_in_nav_menus":true,"show_tagcloud":true,"show_in_quick_edit":false,"show_admin_column":false,"meta_box_cb":"post_tags_meta_box","meta_box_sanitize_cb":"taxonomy_meta_box_sanitize_cb_input","object_type":["post"],"cap":{"manage_terms":"manage_categories","edit_terms":"manage_categories","delete_terms":"manage_categories","assign_terms":"edit_posts"},"rewrite":{"with_front":true,"hierarchical":false,"ep_mask":0,"slug":"client"},"query_var":"client","update_count_callback":"","show_in_rest":true,"rest_base":null,"rest_namespace":"wp\/v2","rest_controller_class":false,"rest_controller":{},"default_term":null,"sort":null,"args":null,"_builtin":false},"topics":{"name":"topics","label":"Topics","labels":{"name":"Topics","singular_name":"Topic","search_items":"Search Topics","popular_items":"Popular Topics","all_items":"All Topics","parent_item":"Parent Topic","parent_item_colon":"Parent Topic:","name_field_description":"The name is how it appears on your site.","slug_field_description":"The “slug” is the URL-friendly version of the name. It is usually all lowercase and contains only letters, numbers, and hyphens.","parent_field_description":"Assign a parent term to create a hierarchy. The term Jazz, for example, would be the parent of Bebop and Big Band.","desc_field_description":"The description is not prominent by default; however, some themes may show it.","edit_item":"Edit Topic","view_item":"View Category","update_item":"Update Topic","add_new_item":"Add new Topic","new_item_name":"New Topic name","separate_items_with_commas":"Separate Topics with commas","add_or_remove_items":"Add or remove Topics","choose_from_most_used":"Choose from the most used Topics","not_found":"No categories found.","no_terms":"No categories","filter_by_item":"Filter by category","items_list_navigation":"Categories list navigation","items_list":"Categories list","most_used":"Most Used","back_to_items":"← Go to Categories","item_link":"Category Link","item_link_description":"A link to a category.","menu_name":"Topics","name_admin_bar":"Topic","archives":"All Topics"},"description":"","public":true,"publicly_queryable":true,"hierarchical":true,"show_ui":true,"show_in_menu":true,"show_in_nav_menus":true,"show_tagcloud":true,"show_in_quick_edit":false,"show_admin_column":false,"meta_box_cb":"post_categories_meta_box","meta_box_sanitize_cb":"taxonomy_meta_box_sanitize_cb_checkboxes","object_type":["post","page","people"],"cap":{"manage_terms":"manage_categories","edit_terms":"manage_categories","delete_terms":"manage_categories","assign_terms":"edit_posts"},"rewrite":{"with_front":true,"hierarchical":false,"ep_mask":0,"slug":"topics"},"query_var":"topics","update_count_callback":"","show_in_rest":true,"rest_base":null,"rest_namespace":"wp\/v2","rest_controller_class":false,"rest_controller":{},"default_term":null,"sort":null,"args":null,"_builtin":false},"personas":{"name":"personas","label":"Personas","labels":{"name":"Personas","singular_name":"Persona","search_items":"Search Personas","popular_items":"Popular Personas","all_items":"All Personas","parent_item":"Parent Persona","parent_item_colon":"Parent Persona:","name_field_description":"The name is how it appears on your site.","slug_field_description":"The “slug” is the URL-friendly version of the name. It is usually all lowercase and contains only letters, numbers, and hyphens.","parent_field_description":null,"desc_field_description":"The description is not prominent by default; however, some themes may show it.","edit_item":"Edit Persona","view_item":"View Tag","update_item":"Update Persona","add_new_item":"Add new Persona","new_item_name":"New Persona name","separate_items_with_commas":"Separate Personas with commas","add_or_remove_items":"Add or remove Personas","choose_from_most_used":"Choose from the most used Personas","not_found":"No tags found.","no_terms":"No tags","filter_by_item":null,"items_list_navigation":"Tags list navigation","items_list":"Tags list","most_used":"Most Used","back_to_items":"← Go to Tags","item_link":"Tag Link","item_link_description":"A link to a tag.","menu_name":"Personas","name_admin_bar":"Persona","archives":"All Personas"},"description":"","public":true,"publicly_queryable":true,"hierarchical":false,"show_ui":true,"show_in_menu":true,"show_in_nav_menus":true,"show_tagcloud":true,"show_in_quick_edit":false,"show_admin_column":false,"meta_box_cb":"post_tags_meta_box","meta_box_sanitize_cb":"taxonomy_meta_box_sanitize_cb_input","object_type":["post"],"cap":{"manage_terms":"manage_categories","edit_terms":"manage_categories","delete_terms":"manage_categories","assign_terms":"edit_posts"},"rewrite":{"with_front":true,"hierarchical":false,"ep_mask":0,"slug":"personas"},"query_var":"personas","update_count_callback":"","show_in_rest":true,"rest_base":null,"rest_namespace":"wp\/v2","rest_controller_class":false,"rest_controller":{},"default_term":null,"sort":null,"args":null,"_builtin":false},"institutional_partnerships":{"name":"institutional_partnerships","label":"Institutional Partnerships","labels":{"name":"Institutional Partnerships","singular_name":"Institutional Partnership","search_items":"Search Institutional Partnerships","popular_items":"Popular Institutional Partnerships","all_items":"All Institutional Partnerships","parent_item":"Parent Institutional Partnership","parent_item_colon":"Parent Institutional Partnership:","name_field_description":"The name is how it appears on your site.","slug_field_description":"The “slug” is the URL-friendly version of the name. It is usually all lowercase and contains only letters, numbers, and hyphens.","parent_field_description":null,"desc_field_description":"The description is not prominent by default; however, some themes may show it.","edit_item":"Edit Institutional Partnership","view_item":"View Tag","update_item":"Update Institutional Partnership","add_new_item":"Add new Institutional Partnership","new_item_name":"New Institutional Partnership name","separate_items_with_commas":"Separate Institutional Partnerships with commas","add_or_remove_items":"Add or remove Institutional Partnerships","choose_from_most_used":"Choose from the most used Institutional Partnerships","not_found":"No tags found.","no_terms":"No tags","filter_by_item":null,"items_list_navigation":"Tags list navigation","items_list":"Tags list","most_used":"Most Used","back_to_items":"← Go to Tags","item_link":"Tag Link","item_link_description":"A link to a tag.","menu_name":"Institutional Partnerships","name_admin_bar":"Institutional Partnership","archives":"All Institutional Partnerships"},"description":"","public":true,"publicly_queryable":true,"hierarchical":false,"show_ui":true,"show_in_menu":true,"show_in_nav_menus":true,"show_tagcloud":true,"show_in_quick_edit":false,"show_admin_column":false,"meta_box_cb":"post_tags_meta_box","meta_box_sanitize_cb":"taxonomy_meta_box_sanitize_cb_input","object_type":["post"],"cap":{"manage_terms":"manage_categories","edit_terms":"manage_categories","delete_terms":"manage_categories","assign_terms":"edit_posts"},"rewrite":{"with_front":true,"hierarchical":false,"ep_mask":0,"slug":"institutional_partnerships"},"query_var":"institutional_partnerships","update_count_callback":"","show_in_rest":true,"rest_base":null,"rest_namespace":"wp\/v2","rest_controller_class":false,"rest_controller":{},"default_term":null,"sort":null,"args":null,"_builtin":false},"clients":{"name":"clients","label":"Clients","labels":{"name":"Clients","singular_name":"Client","search_items":"Search Clients","popular_items":"Popular Clients","all_items":"All Clients","parent_item":"Parent Client","parent_item_colon":"Parent Client:","name_field_description":"The name is how it appears on your site.","slug_field_description":"The “slug” is the URL-friendly version of the name. It is usually all lowercase and contains only letters, numbers, and hyphens.","parent_field_description":null,"desc_field_description":"The description is not prominent by default; however, some themes may show it.","edit_item":"Edit Client","view_item":"View Tag","update_item":"Update Client","add_new_item":"Add new Client","new_item_name":"New Client name","separate_items_with_commas":"Separate Clients with commas","add_or_remove_items":"Add or remove Clients","choose_from_most_used":"Choose from the most used Clients","not_found":"No tags found.","no_terms":"No tags","filter_by_item":null,"items_list_navigation":"Tags list navigation","items_list":"Tags list","most_used":"Most Used","back_to_items":"← Go to Tags","item_link":"Tag Link","item_link_description":"A link to a tag.","menu_name":"Clients","name_admin_bar":"Client","archives":"All Clients"},"description":"","public":true,"publicly_queryable":true,"hierarchical":false,"show_ui":true,"show_in_menu":true,"show_in_nav_menus":true,"show_tagcloud":true,"show_in_quick_edit":false,"show_admin_column":false,"meta_box_cb":"post_tags_meta_box","meta_box_sanitize_cb":"taxonomy_meta_box_sanitize_cb_input","object_type":["post"],"cap":{"manage_terms":"manage_categories","edit_terms":"manage_categories","delete_terms":"manage_categories","assign_terms":"edit_posts"},"rewrite":{"with_front":true,"hierarchical":false,"ep_mask":0,"slug":"clients"},"query_var":"clients","update_count_callback":"","show_in_rest":true,"rest_base":null,"rest_namespace":"wp\/v2","rest_controller_class":false,"rest_controller":{},"default_term":null,"sort":null,"args":null,"_builtin":false},"program_teams":{"name":"program_teams","label":"Programs \/ Teams","labels":{"name":"Programs \/ Teams","singular_name":"Program \/ Team","search_items":"Search Programs \/ Teams","popular_items":"Popular Programs \/ Teams","all_items":"All Programs \/ Teams","parent_item":"Parent Program \/ Team","parent_item_colon":"Parent Program \/ Team:","name_field_description":"The name is how it appears on your site.","slug_field_description":"The “slug” is the URL-friendly version of the name. It is usually all lowercase and contains only letters, numbers, and hyphens.","parent_field_description":"Assign a parent term to create a hierarchy. The term Jazz, for example, would be the parent of Bebop and Big Band.","desc_field_description":"The description is not prominent by default; however, some themes may show it.","edit_item":"Edit Program \/ Team","view_item":"View Category","update_item":"Update Program \/ Team","add_new_item":"Add new Program \/ Team","new_item_name":"New Program \/ Team name","separate_items_with_commas":"Separate Programs \/ Teams with commas","add_or_remove_items":"Add or remove Programs \/ Teams","choose_from_most_used":"Choose from the most used Programs \/ Teams","not_found":"No categories found.","no_terms":"No categories","filter_by_item":"Filter by category","items_list_navigation":"Categories list navigation","items_list":"Categories list","most_used":"Most Used","back_to_items":"← Go to Categories","item_link":"Category Link","item_link_description":"A link to a category.","menu_name":"Programs \/ Teams","name_admin_bar":"Program \/ Team","archives":"All Programs \/ Teams"},"description":"","public":true,"publicly_queryable":true,"hierarchical":true,"show_ui":true,"show_in_menu":true,"show_in_nav_menus":true,"show_tagcloud":true,"show_in_quick_edit":false,"show_admin_column":false,"meta_box_cb":"post_categories_meta_box","meta_box_sanitize_cb":"taxonomy_meta_box_sanitize_cb_checkboxes","object_type":["post","page","people"],"cap":{"manage_terms":"manage_categories","edit_terms":"manage_categories","delete_terms":"manage_categories","assign_terms":"edit_posts"},"rewrite":{"with_front":true,"hierarchical":false,"ep_mask":0,"slug":"program_teams"},"query_var":"program_teams","update_count_callback":"","show_in_rest":true,"rest_base":null,"rest_namespace":"wp\/v2","rest_controller_class":false,"rest_controller":{},"default_term":null,"sort":null,"args":null,"_builtin":false},"ep_custom_result":{"name":"ep_custom_result","label":"Custom Results","labels":{"name":"Custom Results","singular_name":"Custom Result","search_items":"Search Custom Results","popular_items":"Popular Tags","all_items":"All Custom Results","parent_item":"Parent Custom Result","parent_item_colon":"Parent Custom Result:","name_field_description":"The name is how it appears on your site.","slug_field_description":"The “slug” is the URL-friendly version of the name. It is usually all lowercase and contains only letters, numbers, and hyphens.","parent_field_description":null,"desc_field_description":"The description is not prominent by default; however, some themes may show it.","edit_item":"Edit Custom Result","view_item":"View Tag","update_item":"Update Custom Result","add_new_item":"Add New Custom Result","new_item_name":"New Custom Result Name","separate_items_with_commas":"Separate tags with commas","add_or_remove_items":"Add or remove tags","choose_from_most_used":"Choose from the most used tags","not_found":"No tags found.","no_terms":"No tags","filter_by_item":null,"items_list_navigation":"Tags list navigation","items_list":"Tags list","most_used":"Most Used","back_to_items":"← Go to Tags","item_link":"Tag Link","item_link_description":"A link to a tag.","menu_name":"Custom Results","name_admin_bar":"Custom Result","archives":"All Custom Results"},"description":"","public":true,"publicly_queryable":true,"hierarchical":false,"show_ui":false,"show_in_menu":false,"show_in_nav_menus":true,"show_tagcloud":false,"show_in_quick_edit":false,"show_admin_column":false,"meta_box_cb":"post_tags_meta_box","meta_box_sanitize_cb":"taxonomy_meta_box_sanitize_cb_input","object_type":{"post":"post","page":"page","people":"people"},"cap":{"manage_terms":"manage_categories","edit_terms":"manage_categories","delete_terms":"manage_categories","assign_terms":"edit_posts"},"rewrite":false,"query_var":false,"update_count_callback":"","show_in_rest":false,"rest_base":false,"rest_namespace":false,"rest_controller_class":false,"rest_controller":null,"default_term":null,"sort":null,"args":null,"_builtin":false}},"meta_info":{"date":"2019-06-27T14:50:36","regions":false,"topics":[{"term_id":3139,"name":"Agent Banking","slug":"agent-banking","term_group":0,"term_taxonomy_id":3139,"taxonomy":"topics","description":"","parent":49,"count":33,"filter":"raw","term_order":"0"},{"term_id":3197,"name":"Banks","slug":"banks","term_group":0,"term_taxonomy_id":3197,"taxonomy":"topics","description":"","parent":40,"count":64,"filter":"raw","term_order":"0"},{"term_id":3192,"name":"Data Analytics","slug":"data-analytics","term_group":0,"term_taxonomy_id":3192,"taxonomy":"topics","description":"","parent":48,"count":80,"filter":"raw","term_order":"0"},{"term_id":49,"name":"Delivery Channels","slug":"delivery-channels","term_group":0,"term_taxonomy_id":49,"taxonomy":"topics","description":"","parent":0,"count":305,"filter":"raw","term_order":"0"},{"term_id":40,"name":"Financial Service Providers","slug":"financial-service-providers","term_group":0,"term_taxonomy_id":40,"taxonomy":"topics","description":"","parent":0,"count":365,"filter":"raw","term_order":"0"},{"term_id":48,"name":"Financial Technology","slug":"financial-technology","term_group":0,"term_taxonomy_id":48,"taxonomy":"topics","description":"","parent":0,"count":260,"filter":"raw","term_order":"0"},{"term_id":3146,"name":"Fintechs","slug":"fintechs","term_group":0,"term_taxonomy_id":3146,"taxonomy":"topics","description":"","parent":40,"count":279,"filter":"raw","term_order":"0"},{"term_id":3477,"name":"Partnerships","slug":"partnerships","term_group":0,"term_taxonomy_id":3477,"taxonomy":"topics","description":"","parent":40,"count":57,"filter":"raw","term_order":"0"},{"term_id":3357,"name":"Rural Populations","slug":"rural-populations","term_group":0,"term_taxonomy_id":3357,"taxonomy":"topics","description":"","parent":39,"count":49,"filter":"raw","term_order":"0"},{"term_id":3328,"name":"Telcos","slug":"telcos","term_group":0,"term_taxonomy_id":3328,"taxonomy":"topics","description":"","parent":40,"count":1,"filter":"raw","term_order":"0"},{"term_id":39,"name":"Underserved Groups","slug":"undeserved-groups","term_group":0,"term_taxonomy_id":39,"taxonomy":"topics","description":"","parent":0,"count":336,"filter":"raw","term_order":"0"}],"cta":{"download":true,"cta_button_text":"Download Report","cta_media":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2019\/07\/Leveraging_Tech_Agent_Models_FINAL3.pdf","cta_url":"","additional_links":[{"link_text":"Download Summary","link":"","link_media":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2019\/06\/Mainstreaming-FI-Agent-Models-Summary.pdf"}]},"institutional_partnerships":[{"term_id":3411,"name":"Institute of International Finance","slug":"institute-of-international-finance","term_group":0,"term_taxonomy_id":3411,"taxonomy":"institutional_partnerships","description":"","parent":0,"count":10,"filter":"raw","term_order":"0"},{"term_id":3324,"name":"MetLife Foundation","slug":"metlife-foundation","term_group":0,"term_taxonomy_id":3324,"taxonomy":"institutional_partnerships","description":"","parent":0,"count":60,"filter":"raw","term_order":"0"}],"program_teams":[{"term_id":3404,"name":"Mainstreaming Financial Inclusion: Best Practices","slug":"mainstreaming-financial-inclusion","term_group":0,"term_taxonomy_id":3404,"taxonomy":"program_teams","description":"","parent":0,"count":17,"filter":"raw","term_order":"0"}],"authors":[{"ID":26376,"post_author":"1","post_date":"2018-08-20 13:50:32","post_date_gmt":"2018-08-20 13:50:32","post_content":"","post_title":"Jacqueline Foelster","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"jacqueline-foelster","to_ping":"","pinged":"","post_modified":"2022-02-11 16:29:37","post_modified_gmt":"2022-02-11 20:29:37","post_content_filtered":"","post_parent":0,"guid":"http:\/\/cfi.accion.flywheelsites.com\/people\/jacqueline-foelster\/","menu_order":0,"post_type":"people","post_mime_type":"","comment_count":"0","filter":"raw","featured_image":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-content\/uploads\/sites\/2\/2018\/09\/D716566.jpg","acf":{"body":"Jacqueline has nearly a decade of financial inclusion experience conducting research and implementing projects in emerging markets. In her previous roles as Senior Research Specialist and Consultant for CFI, Jacqueline contributed to research on various topics, such as financial capability and women\u2019s financial inclusion.<\/p>\n
Prior to joining Accion, Jacqueline worked as a consultant at the International Finance Corporation supporting the Asia Pacific gender team on data collection and monitoring activities for a variety of projects aimed at improving women\u2019s leadership and combatting gender-based violence. Jacqueline also spent several years working at MIX, where she led the deployment of a series of IVR-based surveys called the Voice of the Client.<\/p>\n
A dual national of the U.S. and France, Jacqueline is fluent in English, French, Spanish, and Khmer. Jacqueline is a Fulbright Scholar, and holds a bachelor\u2019s degree in general business from the University of Maryland, College Park, and a master\u2019s degree in international economics and Southeast Asia studies from Johns Hopkins School of Advanced International Studies (SAIS).<\/p>\n
<\/p>\n","title":"Former Consultant","position":"staff","social_media_links":{"email":"jfoelster@accion.org","linkedin":"","twitter":""},"header":{"header_type":"people_aligned","people_aligned":{"description":""}},"blocks":false,"page_settings":{"":null,"email_sign_up":true,"show_related_content":false,"show_contextual_menu":false,"contextual_menu_cta":null,"replace_global":false,"hide_sticky_share":false,"hide_date_when_featured":false,"is_list_view":false,"premium":false,"preview_image":false,"description":""},"is_author":true,"person_name":{"first_name":"Jacqueline","last_name":"Foelster"}},"url":"jacqueline-foelster"},{"ID":35259,"post_author":"75","post_date":"2019-05-23 19:06:59","post_date_gmt":"2019-05-23 19:06:59","post_content":"","post_title":"Amin Khairy","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"amin-khairy","to_ping":"","pinged":"","post_modified":"2019-05-23 19:06:59","post_modified_gmt":"2019-05-23 19:06:59","post_content_filtered":"","post_parent":0,"guid":"https:\/\/content.centerforfinancialinclusion.org\/?post_type=people&p=35259","menu_order":0,"post_type":"people","post_mime_type":"","comment_count":"0","filter":"raw","featured_image":false,"acf":{"person_name":{"first_name":"Amin","last_name":"Khairy"},"title":"Digital Regulation Policy Advisor, Institute of International Finance","position":"staff","social_media_links":{"email":"","linkedin":"","twitter":""},"body":"","header":{"header_type":"people_aligned","people_aligned":{"description":""}},"blocks":false,"page_settings":{"":null,"email_sign_up":true,"show_related_content":true,"show_contextual_menu":false,"contextual_menu_cta":null,"replace_global":false,"hide_sticky_share":false,"hide_date_when_featured":false,"is_list_view":false,"premium":false,"preview_image":false,"description":""},"is_author":true},"url":"amin-khairy"}],"series":false,"personas":false,"start_date":null,"start_time":null,"end_date":null,"end_time":null,"event_timezone":null,"location":null,"host":null},"_links":{"self":[{"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/posts\/35688"}],"collection":[{"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/users\/66"}],"replies":[{"embeddable":true,"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/comments?post=35688"}],"version-history":[{"count":7,"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/posts\/35688\/revisions"}],"predecessor-version":[{"id":36294,"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/posts\/35688\/revisions\/36294"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/media\/35689"}],"wp:attachment":[{"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/media?parent=35688"}],"wp:term":[{"taxonomy":"regions","embeddable":true,"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/regions?post=35688"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/series?post=35688"},{"taxonomy":"types","embeddable":true,"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/types?post=35688"},{"taxonomy":"client","embeddable":true,"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/client?post=35688"},{"taxonomy":"topics","embeddable":true,"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/topics?post=35688"},{"taxonomy":"personas","embeddable":true,"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/personas?post=35688"},{"taxonomy":"institutional_partnerships","embeddable":true,"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/institutional_partnerships?post=35688"},{"taxonomy":"clients","embeddable":true,"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/clients?post=35688"},{"taxonomy":"program_teams","embeddable":true,"href":"https:\/\/cfi.accion-staging.flywheelsites.com\/wp-json\/wp\/v2\/program_teams?post=35688"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}