Digital Payments Resources

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© © World Cocoa Foundation
Alliance Report

Country Diagnostic: Nigeria

This diagnostic measures the current state of the transition from cash to electronic payments by estimating volumes and values of payments made in Nigeria, as well as assessing the likelihood of further movement by looking at payment use cases associated with each key shift stage.

Alliance Report

Nigeria’s “Cashless” policy

This case study features four large businesses that have derived clear benefits by early adoption of digital payments.
Alliance Report

Country Diagnostic: Malawi

This diagnostic measures the current state of the transition to electronic payments by estimating volumes and values of payments made in Malawi, as well as assessing the likelihood of further movement by looking at payment use cases associated with each key shift.
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Industry Report

Small-scale Kenyan farmers use mobile money to turn remittances into farm profits

A study has found that Kenyan farmers who use mobile money have 35% higher profits per acre of banana production than non-users. Mobile money also increased household income by 40% and contr…
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Industry Report

M-Shwari: Market Reactions and Potential Improvements

This Microsave report examines initial market perceptions to M-Shwari, a mobile banking service that allows M-PESA customers to borrow money and apply for emergency loans directly through th…