The digitalization of financial services and their use by low-income people is a topic of growing importance, not just for MFIs but for all kinds of providers who deliver services for low-income people. In November 2024, we ran a workshop on this issue at the e-MFP conference in Luxembourg.

Our recent qualitative fieldwork in Laos and Cambdia showed very different results in the two countries. In Laos, many farmers were using digital financial services, but in Cambodia they were not. Why the difference?