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  1. Beyond Access: Innovation at the Edges

    34M+ users joined Colombia’s instant payments in six months. Beyond Access asks what comes next: turning access into everyday use and financial agency.

    Anna Sheard
    4 min read

  2. Building a Global Expert Network for Interledger’s Call for Papers

    Help shape research on open payments and financial inclusion. Join the Interledger Call for Papers expert network as a selector or reviewer.

    Smriti Parsheera
    4 min read

  3. Taxes on Digital Financial Services in Africa: Balancing Revenue and Inclusion

    Explore how taxes on digital financial services affect mobile money adoption, financial inclusion, and government revenue across Africa.

    Dmitry Erokhin, PhD
    7 min read

  4. Why access isn't enough: New research project to explore barriers to financial inclusion in Colombia

    New research explores how trust and transparency shape financial inclusion in Colombia.

    3 min read
    A heart-with-wings sculpture frames a city skyline in the background.

  5. Banking Without Banks: What Africa Can Teach the U.S. About Financial Access

    Africa’s fintech innovations, including Ghana’s digital onboarding, Nigeria’s collaborative fintech ecosystem, and Kenya’s mobile money success, show how accessibility-first financial systems can dramatically expand financial inclusion and economic opportunity.

    Casey Diké
    5 min read

  6. The Future of Financial Inclusion Starts With Trust

    Financial inclusion starts with trust: people need financial systems that are transparent, relevant, and aligned with how they earn and manage money today. As the digital economy grows, institutions must combine modern technology with education and community-focused design to expand opportunity.

    Chiara Ostrin
    8 min read
    Group photo of FOCUS participants.

  7. Why We Funded Research Into Who Gets Left Out of Instant Payments

    Research across more than 20 countries found that instant payment systems often aim for inclusion but are designed in ways that exclude smaller financial providers through governance, regulatory, economic, and technical barriers.

    Ayden Férdeline
    6 min read
    Four participants seated around a table in discussion during a workshop on instant payment systems and financial inclusion.

  8. Why Campuses are Becoming Testbeds for Digital Finance

    Universities like Bowie State University are becoming key testing grounds for inclusive digital finance, where students with lived experience of financial exclusion help design more equitable systems. Its partnership with the Interledger Foundation shows how education and community engagement can shape the future of accessible financial infrastructure.

    Dr. Andrew Mangle
    8 min read

  9. You Don’t Need 3 Apps to Pay Your Friends: Why U.S. Payments Feel Broken

    U.S. digital payments feel fragmented because apps don’t interoperate, forcing users to juggle multiple platforms.

    Casey Ariel Diké
    4 min read

  10. Designing Digital Money: A 2026 Blog Series

    Digital money is no longer just emerging—it is being intentionally designed. Universities are becoming key environments for shaping the future of financial systems, training the next generation of technologists, policymakers, and innovators. As digital finance evolves, academic institutions play a critical role in researching, testing, and teaching equitable, secure, and interoperable systems, with support from initiatives like those of the Interledger Foundation.

    Julaire Hall
    4 min read

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