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8 ways to boost Africa's digital ecosystem
The World Economic Forum and International Trade Centre’s “Africa e-commerce agenda” discusses 8 policy areas - including enhancing digital payments - that can help unleash the potential of e-commerce in the continent.
Drivers of digital payments
This study shows that per capita income, education, availability of digital infrastructure and greater internet penetration help in the growth of digital payments in an economy. For India, it suggests that the government should focus on providing a conducive macroeconomic environment and safe and easy access to digital infrastructure.
How to consolidate gains in digital payments
This CG Dev paper, by Professor Njuguna Ndung’u, shows how M-Pesa’s success has led to a series of endogenous innovations that have shaped Kenya’s digital space. It outlines several important challenges that Kenya will need to address in order to further consolidate its success, including connectivity issues, digital ID, interoperability and consumer protection.
Bottlenecks for mobile-money adoption
This paper aims at investigating the driving factors for mobile money adoption in the WAEMU region. It identifies literacy rate, mobile infrastructure, and banking infrastructure (ATMs\100,000 people) as the main macroeconomic determinants for adoption.
State of financial access in Kenya
The latest Financial Access 2019 survey shows that around 83% of Kenyans now have a formal account. Cost remains the main barrier for uptake. More Kenyans now save on their mobile phones (54%) than informally.
Extending pension coverage to the informal sector
This World Bank discussion paper argues that digital payments, along with other policies and tools, can help extend pension coverage to the informal sector in Africa. It also features case studies from 5 Alliance members namely Kenya, Rwanda, Benin, Ghana, and Uganda.
Five recommendations for enhancing finclusion
A new World Bank economic analysis says Ghana can reach universal financial access across regions and key demographics using innovative technology.
Telecom vs. banking-led models of financial inclusion
Low incomes, costs incurred in account ownership, distance from a bank, financial illiteracy and lack of relevant documentation explain low levels of financial inclusion in both India and Africa. In this brief, experts from the Overseas Development Institute discuss what both regions can learn from each other’s efforts to tackle these issues.
The state of ICT in Uganda
This IDRC and SIDA-funded policy paper looks at the state of Information and Communications Technologies in Uganda. Apart from other policy recommendations, it calls for addressing the issue of affordability of devices and data and revisiting the issue of social media and mobile money taxes.
