Digital Payments Resources

The Effect of Payment Choices on Online Retail: Evidence from the 2016 Indian Demonetization

This Harvard Business School paper concludes that consumers who switch to digital payments maintain their purchase frequency but spend more and are less likely to return their purchases.

Perspectives from SME banking leaders

IFC report aggregates responses from 114 SME banking executives serving more than 17.5 million small businesses.

What explains low adoption of digital payment technologies? Evidence from small-scale merchants in Jaipur, India

New research from India states that low adoption of digital payments among small retailers is not a result of supply-side barriers, such as affordability and availability. It is due to deman…

How one platform connects cities and boosts small businesses

How can platform approaches drive the digitization of cities? Learn how CIVICO and Accion are helping customers and small businesses, in Bogota, Mexico City, and Santiago, connect and transact.

Mexican customers want their financial service providers to offer convenience

2 out of 3 Mexicans now have access to formal financial products yet most of them still prefer cash. This insights2impact report suggests that to sway consumers, you have to provide them with the same convenience, flexibility, and sense of belonging as informal and social alternatives.

Cash usage behaviour and its implication for digital payments: A case of Ghana and Nigeria's smallholder cassava value chain

Education programs and awareness campaigns can help improve mobile money usage among smallholder cassava farmers in Nigeria and Ghana. Better agent network and incentives may help too. Read …

Using digital tools to grow africulture and financial inclusion in Ethiopia

Ethiopia has a sole mobile network provider and a banking sector that is closed to foreign ownership. Does that make it easy for the government to take a rural-first approach to digitization? Learn about it more in this USAIDFeed The Future brief that also mentions the Alliance.

Mapping the Merchant's Mind: An Analysis of Digital Payment Behaviors by Fixed Store Merchants in Jaipur

A year and a half post demonetization, only about 5% of India’s ~60 million MSMEs own digital acceptance devices. This report provides a deeper context and recommendations on small business profiles, infrastructure, needs, behaviors, and perceptions.

Is mobile payment still relevant in the fintech era?

This study analyzes whether mobile payments are still relevant for the fintech industry by comparing three mobile payment projects – Oi Paggo in Brazil, TCASH in Indonesia, and M-PESA in Kenya.

Bridging the Digital Divide and Supporting Increased Digital Trade: Scoping Study

The global economy is experiencing important technological shifts, with the rise of digital technology a key driver. This can be seen today in the rapid growth of the digital economy, broadl…

Prerequisites to digitizing the agricultural last mile

Handbook of blockchain, digital finance, and inclusion: cryptocurrency, fintech, insurtech, regulation, Chinatech, mobile security, and distributed ledger

The handbook emphasizes the financial opportunities made possible by digital banking, such as financial inclusion and impact investing and summaries standard models of various new technologies.

Growth of mobile financial services key learnings from literature, industry analysis and cases

This paper includes an extensive literature review on Mobile financial Services (MFS)and provides an overview of existing MFS landscape.

Digitizing retail payments: Building a successful loyalty model

On creating loyalty programs for customers….