Digital Pathways in Financial Inclusion – European Microfinance Platform

Download the European Microfinance Platform’s Publication

Digital Pathways in Financial Inclusion” draws on the technology initiatives of the winners and semi-finalists of the 2018 European Microfinance Award on ‘Financial Inclusion through Technology’, paving the way for how advances in technology can be adopted by financial services providers who serve the excluded.

Between the developer or engineer on the one end, and the end-user at the other, is the financial institution which can adopt a broad range of approaches to how to use the magic of technology to better serve its clients – reducing costs, increasing efficiency, spreading financial literacy, and most of all offering products and services that are of genuine benefit for those who need them the most.

The authors explain how the MFI’s can be:

  • Increasing Institutional Efficiency & Improving the Client Experience
  • Offering Digital Financial Services
  • Responding to Specific Challenges

The European Microfinance Award is a prestigious annual €100,000 award, which attracts applications from financial service providers around the world that are innovating in a particular area of financial inclusion.

The Award was launched in 2005 by the Luxembourg Ministry of Foreign and European Affairs – Directorate for Development Cooperation and Humanitarian Affairs, and is jointly organised by the European Microfinance Platform (e-MFP), the Luxembourg Ministry of Foreign and European Affairs, and the Inclusive Finance Network Luxembourg (, in cooperation with the European Investment Bank. 

It serves two parallel goals: rewarding excellence, and collecting and disseminating the most relevant practices for replication by others.

About the Publisher: The European Microfinance Platform (e-MFP) with over 130 members is the leading network of European organisations and individuals active in the financial inclusion sector in developing countries. e-MFP fosters activities which increase global access to affordable, quality, sustainable and inclusive financial services for the un(der)banked by driving knowledge-sharing, partnership development and innovation.