Reading List

Dive into how financial inclusion shapes identities with our curated reading list

Over the next few months, we will be publishing stories from the ground in India looking at how people are dealing with financial inclusion as a way to claim (or reclaim) their identity and rights or benefits due to them.

What are some of the issues at hand? Why are they important? What is being done to understand it from a research perspective?

As we put together this series and worked with the journalists in India who interviewed and covered the stories in India, we learnt about a few resources which we think would be useful to readers of this series. This is not an exhaustive list of course; if you have resources you think should be added to this list, let us know by leaving a comment below.


Financial Inclusion of the Marginalised: Street Vendors in the Urban Economy. Sharit Bhowmik and Debdulal Saha (Springer, 2013)

Financial Engineering for Low-Income Households. Bindu Ananth and Amit Shah (eds.) (Sage, 2013). Here’s a video summarising what it’s about.

Articles, Reports and Databases

Currency of Trust: Consumer Behaviors and Attitudes Toward Digital Financial Services in India (Dalberg, 2017)

Connecting the Dots: Putting Risk, Customer Protection, and Financial Capability in Perspective (MicroSave, 2015)

Income Related Inequality in Financial Inclusion and Role of Banks: Evidence on Financial Exclusion in India by Rama Pal and Rupayan Pal, (Indira Gandhi Institute of Development Research, 2012)

11 Ways to Close the Gender Gap in Financial Inclusion by Rachel Banning-Lover, The Guardian

Cellphones, Not Banks, May Be Key to Finance in the Developing World by Nathaniel Popper, New York Times

The unbanked: stop catering for the middle classes and open up to the world by Chris Walker, The Guardian

Inclusive Finance India Report 2017 by M.S. Sriram (Sage Impact)

Crisil Inclusix: ‘India’s first financial inclusion index, launched in 2013 with the objective of creating a dependable yardstick that would become a policy input to further the cause of inclusion’.

Global Findex 2017: ‘The world’s most comprehensive data set on how adults save, borrow, make payments, and manage risk’.

Organisations and Groups

Dvara Research: A policy research institution in Chennai, India with a mission to ensure complete access to financial services.

Kaleidofin: A startup in Chennai, India working on financial solutions for excluded groups in emerging markets.

Indicus Centre For Financial Inclusion: A foundation in India focussed on building communities that are inclusive financially, economically and socially.

Center for Financial Inclusion at Accion (CFI): ‘A think tank that engages and challenges the industry to better serve, protect and empower clients’.

Responsible Inclusive Finance working group at the Social Performance Task Force

Omidyar Network’s Investments in Financial Inclusion

Universal Financial Access: A World Bank campaign to reach one billion unbanked adults by 2020.

CGAP: A global partnership of more than 30 leading development organisations that works to advance the lives of poor people through financial inclusion.

The Bill & Melinda Gates Foundation’s Financial Services for the Poor Programme: Supports government and private-sector partners in a shared effort to establish financial services for the world’s poorest to use to build more prosperous and secure lives for themselves, their families, and their communities.

Fin Dev Gateway: Financial Inclusion for Development, ‘CGAP’s independent knowledge platform where the global financial inclusion community comes together to share lessons and ideas on making financial services work for poor people’.

The Good ID Movement, supported by the Omidyar Network: The Omidyar Network has been discussing digital identity since 2016, with a number of partners. This movement is championed by dozens of organizations and people “who believe in digital dignity, data protection, quality identification systems that help people thrive, and human-centered technologies”.

ID2020: A global alliance of partners including Accenture, Microsoft and the Rockefeller Foundation, looking to improve lives through digital identity, particularly that of refugees.


Where We Are Now: Financial Inclusion, Wall Street Journal

PS Explains: Financial Inclusion for Inclusive Growth, Project Syndicate

Videos from the Partnership for Financial Inclusion, International Finance Corporation (IFC)

Digital Financial Inclusion: The India Story, US Global Development Lab

Identities of the World is a series on the role between financial inclusion and identity, supported by Experian. We’ll be publishing three stories in this series in the coming weeks. For more on identity in a digital age, join our Facebook group.

Comments 2

  1. Pingback: Episode 1: Falling Through The Cracks | Identities of the World

  2. Pingback: Episode 2: Financial Inclusion Must Work For The Urban Poor, Too | Identities of the World

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