FIT IN Initiative

External projects

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 (UC Berkeley), Datta Bikramadity (Indian Institute of Technology, Kanpur), Klobudu Edem (UT San Antonio): "Interoperability in Mobile Money Markets".
  • Aurazo Jose (Central Reserve Bank of Peru): "Interchange Fees, Access Pricing, and Sub-acquirers in Payment Cards" and Müller Carola (CEMLA), Resendiz, Raul (CEMLA), Martinez, Anahi (CEMLA): An Interchange Model for Fintech Payments in Emerging Economy".
  • Creti Anna (Université Paris-Dauphine), Barry Mamadou (Université Paris-Dauphine): "Does Financial Inclusion Facilitate Solar Panels’ Adoption? Evidence from Tanzania".
  • Ferrouhi El Mehdi (Ibn Tofail University - Kénitra), Kharbouch Omar (Ibn Tofail University - Kénitra), Mounia Sliman (Ibn Tofail University - Kénitra), Stout Nabil (Ibn Tofail University - Kénitra): "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): "Interoperability between Mobile Money Agents and Choice of Network Operators: the Case of Tanzania".
  • Klobodu Edem (UT San Antonio), Annan Francis (UC Berkeley): "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): "Estimating the Welfare Benefits of Lockout".


  • 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: 

2022 Research proposals