FIT IN Initiative

Request for proposals

Since the launch of the FIT IN Initiative, TSE has issued two calls for research proposals (1st call - February 2021, 2nd call- January 2022). These calls were both related to interoperability of digital payment systems in low- and middle-income countries and opened to projects with a theoretical and/or empirical approach.

Selected teams and projects:


  • Annan, Francis (Georgia State University), Datta, Bikramadity (Indian Institute of Technology, Kanpur), Klobudu, Edem (UT San Antonio): "Interoperability in Mobile Money Markets".
  • Aurazo, Jose (Central Reserve Bank of Peru), Müller, Carola (CEMLA), Resendiz, Raul (CEMLA), Martinez, Anahi (CEMLA): "An interchange model for fintech in payments in emerging economies: The case of sub-acquirers in payment cards".
  • Creti, Anna (Université Paris-Dauphine), Barry, Mamadou (Université Paris-Dauphine): "Financial Inclusion for Energy Access".
  • Ferrouhi, El Mehdi (Ibn Tofail University), Kharbouch, Omar (Ibn Tofail University), Mounia, Sliman (Ibn Tofail University), Stout, Nabil (Ibn Tofail University): "Digital payment and financial inclusion: the case of mobile payment and mobile wallet in Morocco".
  • Grzybowski, Lukasz (Telecom Paris and University of Cape Town), Mothobi, Onkokame (University of Botswana) Lindlacher, Valentin (University of Munich): "The role of interoperability and locations of mobile money agents for financial inclusion in Sub-Saharan Africa".
  • Klobodu, Edem (UT San Antonio), Annan, Francis (Georgia State University): "Distributional Effects of Interoperable Digital Financial Services: Evidence from Mobile Money".
  • Li, Renping (Washington University in Saint Louis), Brett, Green (Washington University in Saint Louis), Sraer, David (UC Berkeley): "Digital Collateral in Consumer Credit Markets".


  • Amidu, Mohammed (University of Ghana Business School), Mensah, James Kwame (University of Ghana Business School), Asiedu, Edward (University of Ghana Business School): “Digital financial services and interoperability: implications for vulnerable populations in Ghana”.
  • Koomson, Isaac (UNE Business School), Asongu, Simplice (African Governance and Development Institute), Laryea, Esther (Universityof Ghana Business School): “Digital interoperability, mobile phones, governance quality and financial inclusion in sub-Saharan Africa: Evidence of synergies”.
  • Rishabh, Kumar (University of Basel): “Open Banking as Means for Credit Market Inclusion”.
  • Wahhaj, Zaki (University of Kent), Rahanaz, Maliha (University of Kent): “Can Interoperability in Mobile Financial Services improve Financial Inclusion of Low-Income Urban Women in Bangladesh?”.
  • Walsh, Mark (Stanford University): “Understanding peer effects in platform industries: Experimental evidence from mobile money in Pakistan".

To be informed about new opportunities please contact us: