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This Brookings policy paper, by Prof. Njuguna Ndung'u, argues that instead of increasing the tax base, taxation on mobile phone transactions may end up reversing the adoption of digital payments in Kenya. It says these lessons are also relevant for other African countries considering similar taxes.
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.
At a panel discussion during the recently concluded GSMA M360 Africa, Flourish’s Ameya Upadhyay presented on how to harness the power of new technologies to drive access and transparency. Check out his presentation.
A new Karandaaz study shows that around 95% of merchants in Pakistan do not accept digital payments. To promote adoption, it calls for creating awareness among users, better infrastructure, interoperability and reliability of services.
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.
Prepared at the request of the G7 French Presidency, this Gates Foundation report aims to be “a blueprint for improving digital financial inclusion in Africa.”
Unregistered SMEs account for 65% of Nigeria’s GDP. Most of them often struggle to demonstrate their personal and business credentials to service providers and customers. This GSMA research finds that there is a need for new approaches to identity and mobile-delivered ‘economic ID’ solution holds promise.
This GSMA study shares lessons from Orange’s work in West and Central Africa on implementing Person-to-Government (P2G) payment strategies.
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.