In 2016, the Mastercard Foundation and IFC’s Partnership for Financial Inclusion Program jointly published the Digital financial services and risk management handbook for any type of financial institution offering or planning to offer digital financial services, such as mobile money and agent banking. This includes microfinance institutions, banks, mobile network operators, or third party payment service providers. 

The handbook aims to help thes financial institutions understand the importance of and necessary steps to ensure their sustainability and reliability via the implementation of effective and responsible risk managementpractices.