<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:xhtml="http://www.w3.org/1999/xhtml" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1">
  <url>
    <loc>https://www.diffproject.org/blog</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-17</lastmod>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/emerging-ecosystems-for-dfs-use-among-smallholder-farmers-in-laos-and-cambodianbsp</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-17</lastmod>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/how-do-digital-financial-services-impact-farmers-three-ways-of-collecting-evidencenbsp</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-10</lastmod>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/now-available-report-on-year-3-of-the-diff-project</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-15</lastmod>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/stories-from-the-field-the-gendered-dimensions-of-digital-financial-services-in-cambodianbsp</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-11</lastmod>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/emerging-practices-in-digital-finance-thoughts-from-our-emw2024-workshop</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-16</lastmod>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/stories-from-the-field-diverse-usage-patterns-of-digital-financial-services-in-laos</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-02</lastmod>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/launching-the-first-diff-project-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/9990342f-287f-4dcf-96c5-edd6103e45f8/Image+from+report.png</image:loc>
      <image:title>Blog - Launching the first DiFF Project Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/new-report-on-farmers-amp-financial-services-in-laos</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/336174f7-dd11-4971-84a9-19bacc74d728/DiFF_Laos+Report_IG5_2.jpg</image:loc>
      <image:title>Blog - New report on farmers &amp;amp; financial services in Laos - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/1rouwnz4mg0z0pkf3t93w4m3u3ypcg</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/6c860960-7abc-4400-b3ae-9f6bb0e15126/420684138_306234929140555_6733397553252110661_n.jpg</image:loc>
      <image:title>Blog - Why are so few smallholder farmers in Cambodia using digital financial services?&amp;nbsp; - Make it stand out</image:title>
      <image:caption>A smallholder horticulture farmer attends to cucumbers. Photo by Vibol San, 2024.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/6e52fa27-9792-40b6-9f47-562c1001ba78/418690125_285563821236225_7279115771930369548_n.jpg</image:loc>
      <image:title>Blog - Why are so few smallholder farmers in Cambodia using digital financial services?&amp;nbsp; - Make it stand out</image:title>
      <image:caption>Rice farmers pump water from a waterway adjacent to their village, trying to take advantage of the high current market price. Photo by Vibol San, 2024.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/8fa5ba3d-27a2-4515-a703-3111845c6557/418348153_1533511817499264_8426265098015223460_n.jpg</image:loc>
      <image:title>Blog - Why are so few smallholder farmers in Cambodia using digital financial services?&amp;nbsp; - Make it stand out</image:title>
      <image:caption>A horticulture greenhouse was built with the assistance of a development project. Photo by Isaac Lyne, 2024.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/5c2173a3-e23f-4727-8a45-7258dce8f58e/418964856_1135112310951779_2442713211845170997_n.jpg</image:loc>
      <image:title>Blog - Why are so few smallholder farmers in Cambodia using digital financial services?&amp;nbsp; - Make it stand out</image:title>
      <image:caption>A Wing agent and an e-Money agent are next to one another, close to a market near one of the villages. that we visited. Photo by Isaac Lyne, 2024.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/fb8dfea9-a3cf-46f1-9533-7a36639f33f7/418707214_3521280158162777_4666858426694383132_n.jpg</image:loc>
      <image:title>Blog - Why are so few smallholder farmers in Cambodia using digital financial services?&amp;nbsp; - Make it stand out</image:title>
      <image:caption>A village where residents grow mostly horticulture in Kandal Province. Photo by Vibol San, 2024.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/ed62bb25-e070-4a9e-8aab-a5f64a92d3e6/418467700_1080748799673922_1255876718604888950_n.jpg</image:loc>
      <image:title>Blog - Why are so few smallholder farmers in Cambodia using digital financial services?&amp;nbsp; - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/moot0wju74l70p0ismz2gll33g6o1y</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/xfafxqfz44tttirotdoy3tr0pp1uuv</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-13</lastmod>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/how-does-digital-finance-impact-women-in-rural-areas</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/xb0axbnryitkc4tkcexe33cr19yohh</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/f0b1c10b-29a8-4056-87e0-1472623126b3/Meeting+in+the+village.jpg</image:loc>
      <image:title>Blog - Field trips to a farm and a city market in Luang Prabang, Laos&amp;nbsp; - Make it stand out</image:title>
      <image:caption>Meeting in Xienglong</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/89db943a-c8e1-4eca-9bd4-94ec1b76dd05/Broccoli+field.jpg</image:loc>
      <image:title>Blog - Field trips to a farm and a city market in Luang Prabang, Laos&amp;nbsp; - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/9c8dd2a7-7a66-44e1-82d3-2fcbe1d5fcda/Broccoli+close.jpg</image:loc>
      <image:title>Blog - Field trips to a farm and a city market in Luang Prabang, Laos&amp;nbsp; - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/a00a4674-e9c0-4962-9225-9fb6c024af1a/Egg+plant+close.jpg</image:loc>
      <image:title>Blog - Field trips to a farm and a city market in Luang Prabang, Laos&amp;nbsp; - Make it stand out</image:title>
      <image:caption>Farm produce in Xienglom village, Luang Prabang (Pictures: Isaac Lyne)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/d303ca25-f3d1-49cb-b290-06f061d1825c/Farmer+visit.png</image:loc>
      <image:title>Blog - Field trips to a farm and a city market in Luang Prabang, Laos&amp;nbsp; - Make it stand out</image:title>
      <image:caption>Project team visiting farm in Xienglom village, Luang Prabang (Picture: Rida Akzar)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/750376bd-66c3-46ca-b3d5-423c72cce60c/QR+codes+market.jpg</image:loc>
      <image:title>Blog - Field trips to a farm and a city market in Luang Prabang, Laos&amp;nbsp; - Make it stand out</image:title>
      <image:caption>Vendor produce and QR Codes in Phosy Marker (Pictures by Rida Azkar)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/97233cbe-d02f-4523-afcc-bf449ca32a7b/salika+market+visit.jpg</image:loc>
      <image:title>Blog - Field trips to a farm and a city market in Luang Prabang, Laos&amp;nbsp; - Make it stand out</image:title>
      <image:caption>Pictures from Phosy Market by Rida Akzar and Khamtou  Kanyavong</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/ggz2l5gltla6m639t0kd8vbetp7m82</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/4410735b-e98a-4503-b532-7b85bbc5e8ba/DiFF+workshop+team+photo+cropped.jpg</image:loc>
      <image:title>Blog - DiFF project workshop in Luang Prabang, Laos - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/first-project-meetings-in-cambodia-and-laos</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/8dc14c6b-2c10-42ba-9910-81fb3bb7dbe9/DiFF+meeting+Phnom+Penh.jpg</image:loc>
      <image:title>Blog - First project meetings in Cambodia and Laos - Make it stand out</image:title>
      <image:caption>DiFF meeting at the Royal University of Phnom Penh, July 2022.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/00ce1756-8150-4a2f-ad95-25068127e8ef/DiFF+meeting+Vientiane.jpg</image:loc>
      <image:title>Blog - First project meetings in Cambodia and Laos - Make it stand out</image:title>
      <image:caption>DiFF meeting at the National University of Laos, July 2022.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/retirement-planning-xrcrx-jbwgd</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-10</lastmod>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/category/News</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/microfinance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/Wing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/evidence</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/Cambodia</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/ecosystem</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/mobile+phones</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/rural</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/Mobile+money</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/project</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/remittances</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/digital+finance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/research</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/interviews</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/smallholders</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/digitization</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/qualitative</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/savings</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/credit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/meeting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/Laos</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/development</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/smallholder</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/workshop</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/impact</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/laos</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/Lao+PDR</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/digital+financial+services</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/women</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/Digital+finance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/gender</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/university</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/payments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/Smallholder+farming</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/financial+inclusion</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/cambodia</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/digitalization</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/farmers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/stakeholders</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/financial+services</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/agriculture</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/Luang+Prabang</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/farming</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/focus+groups</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/smartphones</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/digital</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/mobile</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/ACIAR</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/team</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/technology</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/fieldwork</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/livelihood</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/money</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/Smallholder+farmers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/quantitative</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/household</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/travel</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/blog/tag/finance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.diffproject.org/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2025-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/73196c3e-0179-40c9-9d96-bae251774c2b/Middel+24.png</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/4460ac84-9de4-4304-8c93-4984dad00ed6/su+logo+white.png</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/887c841f-95d3-4379-a394-2225d85e6ed5/Rupp-logo+%281%29.jpg</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/9e0b6479-1aed-4a47-81e7-597fa7f98757/Middel+23.png</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/35eeb035-e43b-47bb-b482-20a5d7ab4ecb/University+of+Adelaide.jpg</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/053798e7-45c4-4d41-a504-757f5706daaa/Middel+26.png</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/7f6acb40-56ba-43e7-9b91-e59822b9aba6/NUoL+logo.jpg</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/78cd9385-e480-48d3-bc9b-a35fb1c17473/Middel+25.png</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/7f62c82f-d708-42d7-a952-85f0336b5531/Middel+28.png</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/ba2245e8-e3f9-4acb-b8fd-42242e3ef9cd/Finthro+logo+square+white.png</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/e7c09799-d070-4be6-ae4f-ae56964b0927/Middel+27.png</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/6ee258d5-2d2b-440a-84f6-087444678f7d/WSU+more+white+space+2.png</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/86c75bc4-33fb-4d61-8782-2b87499b8be1/Middel+9%402x.png</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/98d99a3e-566e-46fa-b375-ba530caf60d3/Middel+8%402x.png</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1631715276975-YIQBP0C2FU0GB56IKN3R/DiFF+stakeholders+1.png</image:loc>
      <image:title>Home - Smallholder farming households</image:title>
      <image:caption>Smallholder farming households face high levels of uncertainty, and increasingly engage in plural economic activities to smooth income. How do digital financial services help them manage, and in what ways do they fall short?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1631715326970-BUP8TN0J7B0L1EYCTCOA/DiFF+stakeholders+3.png</image:loc>
      <image:title>Home - Financial service providers</image:title>
      <image:caption>Financial service providers are innovating fast to provide digital services to niche and underserved populations, yet tend to lack information about consumers’ actual behaviours. How might better information help them design better products?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1631715308307-LR80F652WEVILS8XL3NV/DiFF+stakeholders+2.png</image:loc>
      <image:title>Home - Women in farming households</image:title>
      <image:caption>Women often do their households’ daily financial management, are primary carers, and also often work outside the farm. How do they use digital financial services in ways that help them to manage these multiple social and economic roles?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1631715352910-DY1YT2BSUI1SM37V0NN3/diFF+stakeholder+4.png</image:loc>
      <image:title>Home - Policy-makers and regulators</image:title>
      <image:caption>Policy-makers and regulators are struggling to keep up-to-date with the fast-changing environment of digital financial services. How might they help create innovative environments while protecting consumers?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.diffproject.org/team</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-09-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1633977675902-GLIEI0746LGIF7KPGXKH/Copy%2Bof%2BAlexandra%2BPeralta%2Bsquare%2B225x225.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1633977902540-60S7B5UCRCXQ4XWUDGOB/Copy%2Bof%2BErin%2BB%2BTaylor%2Bsquare%2B225x225.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1633977971802-BFAUEGJC5ZYR8JWUVK47/Copy%2Bof%2BHeather%2BHorst%2Bsquare%2B225x225.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1633978080202-0RQ92PWASMU16T7EODCU/Copy%2Bof%2BKatherine%2BGibson%2Bsquare%2B225x225.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1633978706917-26P7J5ZK9ZHY3PLVCMFQ/Copy%2Bof%2BRobert%2BSchupp%2Bsquare%2B225x225.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1633979004219-5ON1F4APA6ZMX2O9X57B/Copy%2Bof%2BVibol%2BSan%2Bsquare%2B225x225.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1642683948702-YF06GUF3CVJ1P0UNHPCO/Copy%2Bof%2BBuntong%2BBorarin%2Bsquare%2B225x225.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1642684678891-YRYPDOX8QTEV61UF0IRN/Copy%2Bof%2BPhonevilay%2BSinavong%2Bsquare%2B225x225.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1642685070005-BC8C8C9G4YAC53FOSEE4/Copy%2Bof%2BSonnthida%2BSambath%2Bsquare%2B225x225.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1642685221401-HMEJPKDK74N7AH2GRU37/Copy%2Bof%2BLIM%2BSophorntida%2Bsquare%2B225x225.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1643199787491-S6KKQI544KD7CHRDQR5R/Rido_portrait.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1643199893945-2AOHA6ZGBGA8IF6VHRPH/Copy%252Bof%252BSalika%252BOnsy%252Bphoto.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1643200417836-T6JBK8N0H11ULMHSN3GY/Copy%252Bof%252BChanrith%252B%2525281%252529.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1643200538455-F0FNVRYFOGI1R4QA05GW/Copy%252Bof%252BDr%252BSpoann%252BVinn.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1643200609178-UMF8GQJO869WD9NROZBR/Copy%252Bof%252BIsaac%252BLyne%252Bsquare%252B225x225.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1657676258850-W34KAX92AAD11IF6S639/Copy%2Bof%2BDaovy%2BKogmanila%2Bsquare%2B225x225.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/9d8e0bb6-ff17-42b5-a15a-0403219c8684/Phouphet+Kyophilavong.png</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/d0e77972-76f9-4e2d-b23a-f964bb7c750c/Rida+Azkar.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/9710c633-62b2-4801-8564-d03a60e1bddf/Panharoth+Chhay.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/1633978080202-0RQ92PWASMU16T7EODCU/Copy%2Bof%2BKatherine%2BGibson%2Bsquare%2B225x225.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/417a2e8e-a1ed-47fa-9058-9801ae2a3a3d/Vilaythieng.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.diffproject.org/publications</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/fed76e20-1a88-4ebe-a321-e15a40689ac1/DiFF+report+cover.png</image:loc>
      <image:title>Publications</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/c8e7ff52-8cfd-46bf-b60f-5fa6d067fd5e/Laos+ecosystem+mapping+report+2.png</image:loc>
      <image:title>Publications</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/baf61e0a-6b14-471b-b469-82aa948f9e24/DiFF+Year+3+report.png</image:loc>
      <image:title>Publications</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6110dd9194c5a42a59bf3383/5577b48f-5c8f-4d8c-ab48-70c020819219/image.png</image:loc>
      <image:title>Publications</image:title>
    </image:image>
  </url>
</urlset>

