The Retail Finance Distribution (ReFinD) is a research initiative that focuses on deepening digital financial inclusion for women, poor households, SMEs, and other retail businesses in low and middle-income countries (LMICs). Funded by the Bill & Melinda Gates Foundation and implemented by the Institute of Statistical Social and Economic Research (ISSER), at the University of Ghana, in collaboration with international partners, ReFinD provides sub-grants to research institutions/ commercial partners in Sub-Sahara Africa, South East Asia, and South Asia to undertake research and test innovations in retail finance/ agent banking.