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Industry Report

Next Steps for the Digital Revolution in Africa: Inclusive Growth and Job Creation Lessons from Kenya

This paper provides examples of how digitization in Kenya has supported the economy via a retail electronic payments system, financial inclusion, increased financial sector vibrancy, and pushed GDP growth with it.

© ©Better Work - ILO/ IFC
Industry Report

Fintech for Financial Inclusion: A Framework for Digital Financial Transformation-A Report to the Alliance for Financial Inclusion (AFI)

The paper outlines potential for growth for FinTech for financial inclusion while emphasising on the need for regulatory approaches , citing some successful cases from India , Kenya and China.
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Industry Report

Distribution 2.0: The future of mobile money agent distribution networks

In December 2017, there were over 2.9 million active agents and 690 million registered customer accounts worldwide. Primarily responsible for registering customer accounts, mobile money agen…
Industry Report

Building inclusive payment ecosystems in Tanzania and Ghana

At the heart of this financial transformation is the rise of digital payments services through which nearly any individual or business can send or receive money in real time for almost any p…
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Industry Report

Bargaining to work: the effect of female autonomy on female labour supply

The use of digital cards for government safety net transfers enhanced women’s decision-making power in the household and led to a 92% increase in women’s likelihood of participating in the l…
© © Better Than Cash Alliance
Industry Report

Mobile banking: A potential catalyst for financial inclusion and growth in Pakistan

This paper traces the history of mobile banking in Pakistan, studies various models of mobile banking and assesses its current state.

© © Better Than Cash Alliance
Industry Report

Finclusion to Fintech: Fintech Product Development for Low-Income Markets

The paper presents detailed insights from 15 years of financial inclusion research to highlight the importance of fintech, including proposing product development ideas for Fintech players, to better serve developing world market.
Industry Report

Bringing E-money to the Poor: Successes and Failures

This report examines the successful lessons from Kenya, South Africa, Sri Lanka, and Thailand case studies of “gazelles", that leapt from limitation to innovation by successfully enabling the deployment of e-money technology.

© © Better Than Cash Alliance
Industry Report

Branchless Banking in Pakistan: Opportunities and Challenges

The paper examines strengths, weakness, opportunities and threats of branchless banking and recommends some strategies around the identified challenges with a focus on Pakistan.

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Alliance Report

The Fight for Light: Improving Energy Access through Digital Payments

This report examines new business models and government initiatives for energy access that rely upon digital payments.
Industry Report

Influence of Online Tax Filing on Tax Compliance among Small and Medium Enterprises in Nakuru Town, Kenya

This study assesses the level of awareness, specifically effect of computer literacy, regarding online filing of tax returns in the context of the Small and Medium Enterprises (SMEs) in Nakuru, Kenya.
© © Better Than Cash Alliance
Industry Report

A Public-Private Partnership to Digitize Bus Fares in Rwanda

This CGAP blog dicsusses the successful cases of public-private partnerships to drive various digitiziation initiatives in Rwanda. One of those being ‘Rwanda Online’, which has brought 100 government services online over a period of three years and the digitization of bus fare payments in the same.

Industry Report

Mobile payments: How digital finance is transforming agriculture

This report is based on primary research on agriculture mobile payments initiatives in Ghana, Uganda and Zambia with the aim of understanding the potential of mobile finance for the agricultural sector and how these barriers might be overcome.
© © Better Than Cash Alliance
Industry Report

Building consumer demand for digital financial services–the new regulatory frontier

Digital financial services (DFS) are held out as key financial solutions for improving financial inclusion. However, targeted end users often offer little in the way of obvious profitable op…