Emerging Perspectives on Youth Savings

The Focus Note "Emerging Perspectives on Youth Savings" examines the role of finance in the lives of low-income youth in developing countries. As the first CGAP publication on the topic of youth savings, the paper presents the latest perspectives on the importance of savings for the youth market segment.

The paper focuses on the opportunities and challenges of offering savings services to youth from the perspectives of policy makers and financial service providers. The premise behind the policy case for offering savings accounts to youth is straightforward: youth savings can promote asset-building, instill good financial habits and improve a country's overall gross savings rate. The business case for financial service providers is gaining loyal, long-term customers who will use a range of products over their lifecycle.

With relatively few existing documented cases on providing youth savings services in a profitable manner through the private sector, the paper brings together many disparate areas of research from a number of different countries.

The paper provides several practical considerations for policy makers and providers when targeting the youth market. While more data on the social impact of youth savings is needed, policy makers can take a test-and-learn approach to reducing barriers for the private sector to deliver youth savings; coordination among government ministries is important in this regard, ideally within a comprehensive youth policy. On the financial service provider-side, there also exists a similar need for innovation and experimentation around understanding the youth market – and whether this customer segment is profitable in the long run.

Experience will tell if policymakers and providers will reap dividends in the future by investing in youth now.

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Bigger Cities, Smaller Screens: Urbanization, Mobile Phones, and Digital Media Trends in Africa

The convergence of African urbanization and technological change, including the rise of digital media, is driving major change on the continent. Perhaps most dramatic, cellphones and other mobile devices, already widespread, are becoming a nearly universal platform, not only for telephony but also for audio and video information and entertainment. This offers a fundamentally different "media" experience and has already led to an entirely new and largely unrecognized class of independent media–some newly created channels for international broadcasters–serving the African continent. This report traces the dramatic spread of mobile telephony in Africa and examines how this is affecting the news media landscape on the continent.

http://cima.ned.org/sites/default/files/CIMA-Africa%20Digital%20Media%20-%2009-18-12.pdf 

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Guide to Water-Related Collective Action

This publication provides a step-by-step approach to water-resource-related collective action. It lays out how effective collective action in sustainable water management is both the key to approaching shared risk successfully and addressing a substantial point of vulnerability for many companies.

Given the scale of water challenges, there is a need for organized and readily accessible information to help businesses understand their options for collective action on water issues, particularly whom they can work with in a particular region of interest. The Water Action Hub is designed to help companies and other organizations more effectively understand which stakeholders are active in particular river basins and any relevant water-related initiatives these stakeholders are undertaking. The core of the Hub online tool is a map-based data management system that facilitates match-making by allowing users to identify potential collective action opportunities via river basins, organizations, projects, and collaboration action areas.

http://pacinst.org/reports/water_related_collective_action/wrca_full_report.pdf 

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