RESEARCH

Our research efforts inform our investment themes and spotlight global opportunities for entrepreneurs to advance Fair Finance for All.

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We conduct primary research and fund in-depth analysis with global organizations to better understand customer sentiments

FEATURED RESEARCH

200 African Startup Founders Share Their Journeys

Download the full report to discover our new insights plus hear from founders of companies like FairMoney, Flutterwave, MaxAB, Paga, Pula, and more.

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Groundbreaking Study Shows Links Between Founder Health And Performance in Brazil

The study addresses the general health and well-being challenges impacting the performance of entrepreneurs in Brazil.

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Digitizing the Corner Shop

With Bain & Company and portfolio companies in India, Egypt, Brazil, and Indonesia, we surveyed more than 1600 customers to create a framework for understanding optimal business models for corner shops across emerging markets.

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The Digital Hustle: Gig Workers

From May to August 2020, we conducted primary research to get real insights into the lives of today’s digitally-enabled workers during a time of crisis and the opportunity for financial services to better serve these workers.

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The World Bank – Global Findex Database 2021

The Findex 2021 surveyed 130K respondents in more than 120 economies to rank their fears about financial security. We provided financial support and thought partnership for the financial well-being chapters.

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Financial Health Pulse®

An early champion, we funded the initial Financial Health Pulse® to provide updates and actionable insights on consumer financial health in the United States.

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We partner with global organizations to fund research supporting our Fair Finance principles

DIGITAL INFRASTRUCTURE FOR FAIR FINANCE

Strengthening the U.S. Digital Infrastructure for Fair Finance:

Recommendations for a New Administration

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Consumer Financial Data:

Legal and Regulatory Landscape

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Watch the Digital Infrastructure for Fair Finance webinar series

How to Make Real-Time Payments Real Now

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Evolving the Credit System for Greater Fairness and Inclusion

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Reimagining Our Financial Data Ecosystem

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Charting a 21st Century Digital Identity Framework for Financing

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Regulating for Fair Finance: There is a Will and There is a Way

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The Digital Dollar for Retail Use Cases

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ADDITIONAL RESEARCH REPORTS

McKinsey & Company – Financial Data Unbound: The Value of Open Data for Individuals and Institutions

As countries around the world look to ensure rapid recovery once the COVID-19 crisis abates, improved financial services are emerging as a key element to boost growth, raise economic efficiency, and lift productivity.

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Omidyar Network and Oliver Wyman – Breaking New Ground In Fintech

Omidyar Network and Oliver Wyman investigate current revenue practices among financial health entrepreneurs, highlighting trends from data collected from surveys with 350 leading fintechs.

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FinRegLab: Market and Policy Challenges Are Slowing Use of Cash-Flow Data in U.S. Credit Underwriting

This published report identifies critical market and policy actions needed to enable the use of cash-flow data in credit underwriting.

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FinRegLab Issued One of the First Ever Public Evaluations of Cash-Flow Data

Variables and credit scores that are derived from bank account records and other sources—as a potential alternative to using traditional credit scores in underwriting credit for consumers and small businesses.

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We partnered with CFSI to Survey Nearly 660 Senior Executives at Financial Institutions

We partnered with CFSI to survey nearly 660 senior executives at financial institutions and hear their thoughts on how to help Americans struggling with creating better financial lives.

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Credit Disrupted: Digital MSME Lending in India

According to the report, released with Boston Consulting Group, nearly 40% of Indian MSME’s are forced to borrow from informal sources that charge an average of 2.5X higher interest rates than those in the formal sector. MSME lending is ripe for disruption by innovative startups and traditional lenders.

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Data Diversification in Credit Underwriting

The reliability of traditional data in rapidly changing economic conditions and the need for greater financial inclusion are increasing incentives to use new information sources and predictive models to improve credit scoring and underwriting.

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NEWS & EVENTS

News
opinion
December 09, 2020
[CNBC Africa] COVID-19: How the pandemic has impacted Africa’s gig economy
Originally posted on CNBC Africa According to a report by Flourish Ventures, 66 per cent of gig workers across the globe reported a large decline in income, with ridesharing drivers being hardest hit. Watch the...
Research
news
October 22, 2020
[Research] The Digital Hustle: Gig Worker Financial Lives Under Pressure, U.S. Spotlight 2020
RESEARCH The Digital Hustle: Gig Worker Financial Lives Under Pressure, U.S. Spotlight 2020 Since May, we have been examining the lives of gig workers around the world and the impact COVID-19 has played on their...
News
research
September 09, 2020
Indonesian Gig Workers Impacted By COVID-19, Report Finds
Jakarta, Indonesia —September 9, 2020 — Flourish Ventures today released a new report examining how gig workers in the Indonesian informal economy – ridesharing drivers, online sellers, household services, and delivery workers – are coping...
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