The Better Than Cash Alliance is a partnership of governments, companies, and international organizations that accelerates the transition from cash to digital payments in order to help achieve the Sustainable Development Goals.
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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.
When digital services are designed to only be accessed by more powerful devices, the poor and marginalized are left out. This Institute of Development Studies report discusses barriers in accessing technology-related services in Bangladesh and how they can be removed.
This USAID guide aims to: 1) illustrate how investments in ID systems impact individuals and their households; and 2) provide specific how-to guidance to help donors, program managers, and M&E specialists get started in thinking about ID ecosystems.
This report by GSMA and UNHCR looks at the ways in which refugees are using mobile phones to help guide digital interventions by humanitarian organizations and mobile network operators.
This IMF brief takes a first stab at tackling the questions surrounding the rise of new forms of digital money.
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.
Based on surveys from 566 business leaders, a new VISA report finds that the top 3 (payments-related) fraud concerns are ID verification, data privacy, and transaction monitoring. It calls for taking a more holistic approach to fraud management which involves a mix of new technologies and new skills.
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.
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.
Based on a survey of over 1,200 people in three districts of Rwanda, this Smart Campaign report delves into the experiences of users of digital financial services.
IFC report aggregates responses from 114 SME banking executives serving more than 17.5 million small businesses.
The UN Secretary General’s High-Level Panel on Digital Cooperation released this report. It highlights the need for inclusivity and protection of human rights to ensure a safe digital future for all and shares 5 key recommendations.
Similar to the RDPGs, this Smart Campaign publication identifies standards for responsible digital financial services, especially credit. It aims to guide the practices of both fintechs and traditional financial service providers undergoing digital transformation.
Cash remains in high demand despite measures by governments to keep funds digital. This Central Bank of Colombia study finds that economic growth and lower interest rates have a role to play.
New BCG publication discusses the foundational elements that raise the chances of a successful digital journey. Laying the foundations for a cashless economy, it says, should begin with an overarching national payments agenda driven by key stakeholders, including the government.
In a bid to promote adoption of FASTag, e-toll collection system, the Indian Government is planning to impose a double toll fee if non-FASTag vehicles enter the FASTag lane.
Nandan Nilekani-led high-level panel submitted its report on deepening digital payments in India. It calls for pivoting the ecosystem from issuance to acceptance and shares practical recommendations for doing that. The report refers to 6 Alliance publications.