{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2025,12,29]],"date-time":"2025-12-29T18:48:43Z","timestamp":1767034123362,"version":"3.40.4"},"reference-count":39,"publisher":"IGI Global","issue":"1","content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2014,1,1]]},"abstract":"<p>Finding ways to downscale microfinance is one of the current challenges facing commercial banks, especially in developing countries. As banks have a poor knowledge of microfinance, operating in this market will require capacity-building, innovative business models and new technological architectures. This paper discusses how one particular architecture \u2013 the Brazilian model of correspondent banking (CB) \u2013 is helping banks cope with these challenges. Since the model was created, in 2000, it has allowed banks to downscale financial services outside their traditional branches and establish successful partnerships with local microfinance institutions (MFIs). The authors focus on one particular case involving a partnership between an accredited MFI (Banco Palmas) and two major banks (Banco do Brasil e Caixa Econ\u00f4mica Federal), to make the argument that the Brazilian CB model represents an innovation at the \u201cmeso level\u201d, defined by Helms (2006) as the infrastructure comprising a network of service providers necessary to the operation of MFIs.<\/p>","DOI":"10.4018\/jgim.2014010103","type":"journal-article","created":{"date-parts":[[2014,7,25]],"date-time":"2014-07-25T20:06:03Z","timestamp":1406318763000},"page":"34-50","source":"Crossref","is-referenced-by-count":18,"title":["ICT Helping to Scale up Microfinance"],"prefix":"10.4018","volume":"22","author":[{"given":"Eduardo Henrique","family":"Diniz","sequence":"first","affiliation":[{"name":"Funda\u00e7\u00e3o Getulio Vargas, S\u00e3o Paulo, Brazil"}]},{"given":"Martin","family":"Jayo","sequence":"additional","affiliation":[{"name":"Universidade de S\u00e3o Paulo, Sao Paulo, Brazil"}]},{"given":"Marlei","family":"Pozzebon","sequence":"additional","affiliation":[{"name":"HEC Montreal, Canada and Funda\u00e7\u00e3o Getulio Vargas, S\u00e3o Paulo, Brazil"}]},{"given":"Fr\u00e9d\u00e9ric","family":"Lavoie","sequence":"additional","affiliation":[{"name":"HEC Montreal, Montreal, Canada"}]},{"given":"Fl\u00e1vio Henrique dos Santos","family":"Foguel","sequence":"additional","affiliation":[{"name":"Centro Universit\u00e1rio V\u00e1rzea Grande, V\u00e1rzea Grande Brazil, Brazil"}]}],"member":"2432","reference":[{"journal-title":"Microfinan\u00e7as: Democratiza\u00e7\u00e3o do Cr\u00e9dito no Brasil. 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