Author Archives: jvowens

Payphone Bank in Colombia: An Innovative Way to Promote Micro-savings via Pay Phones

Tigo-Une’s “Payphone Bank” by Grey Colombia has won the Grand Prix for Product Design at this year’s Cannes Lions. The telecom company turned 13,000 cast iron pay phones from the turn of the century into a micro-savings system for the … Continue reading

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What does responsible online and digital credit look like?

Background & Research Questions More and more online credit providers have started to offer loans to not only consumers`but also to SMEs around the world. Outside of digital banking platforms, new alternative online and digital platforms that target consumers and … Continue reading

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Tendencias en Servicios Financieros Digitales y Inclusión Financiera

Esta presentación fue preparada por el Banco Central de Costa Rica para aprender sobre los nuevos servicios financieros digitales que apoyan la inclusión financiera.

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Leveraging Fintech to Achieve Financial Inclusion in Indonesia

by Ghiyazuddin Mohammad and John Owens (reposted from MicroSave’s blog) “Fintech” – an intersection of financial services and technology – is taking the traditional financial world by storm. Indonesia is no exception, with a fast-evolving ecosystem that includes a host … Continue reading

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Facebook: The New Game Changer for Mobile Payments & Remittances

As predicted last year, new financial players especially social media giants like WeChat and now Facebook can be major players in the mobile payment space.  Facebook in particular has the widest global outreach among social networks and has already been offering money … Continue reading

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My Thoughts on Payments, Blockchain and new Technologies in the Philippines and other Emerging Markets

The following article appeared in the Zooz Industry Influencer and Q&A blog. Could you tell us a bit about the current state of payments in the Philippines? The Philippines is undergoing a tremendous change in terms of the payments space with … Continue reading

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The importance of money transfer operators and the issue of de-risking in the Pacific Islands

Originally posted on Alliance for Financial Inclusion Blogs:
John Owens Dr. Sione Ngongo Kioa, Governor at the National Reserve Bank of Tonga (far right), and Ms. Maiava Atalina Emma Ainuu-Enari, Governor at the Central Bank of Samoa (second from right),…

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Innovative Financial Services that are Driving Financial Inclusion in the Pacific Islands

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New mobile money schemes extend banking reach in Ethiopia after NBE issues new guidelines

By EFOÉ KOUDADJEY AND JOHN OWENS After AFI member institution National Bank of Ethiopia (NBE) finalized their guidelines on mobile and agent banking they continued to support the sector by encouraging the use of digital financial services by conducting a workshop in December … Continue reading

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Public-private sector dialogue advancing financial inclusion through digital financial services in Russia

Originally posted on Alliance for Financial Inclusion Blogs:
Mikhail Mamuta and John Owens AFI and the Central Bank of Russia workshop “Digital Financial Services: Promoting Financial Inclusion” panel is pictured in Moscow in October 2014. Learning from legislative and regulatory…

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