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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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.
This CGDev study sets out to understand the effectiveness of reforms taken by Andhra Pradesh to digitalize service delivery. It identifies access, accountability, choice, and voice as the four principles underlying the digital reforms there.
This GSMA study shares lessons from Orange’s work in West and Central Africa on implementing Person-to-Government (P2G) payment strategies.
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.
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.
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.
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.
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.
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.
Kenya’s “Digital Economy Blueprint” provides a conceptual framework for setting up a successful digital economy in the country. The document identifies and explores five pillars of focus and is relevant for our work not just in Kenya but across Africa.
Over the past five years, mobile money has gained traction in South Asia, which is experiencing an average annual growth rate of 46 percent in mobile money accounts—the highest across all regions. For more details check out IMF’s 2019 Financial Access Survey that was released last week
New APEC synthesis report collates and distills inputs from APEC member economies on their challenges, responses, and capacity building needs with respect to financial inclusion and consumer protection.
Cross-agency collaboration, national and digital identity and having common templates and taxonomies in place can help governments on their digital journeys. Read the new Citi publication on digitizing governments that also features case studies from Pakistan and India.
This ADBI working paper discusses measures to foster digital financial innovation in Indonesia.
The Bain & Company report shows that two Alliance members, Indonesia and Vietnam, are growing the fastest and the adoption of digital payments in the region is expected to cross $1 trillion by 2025.
This paper looks at the impact of security perceptions on the adoption of digital payments and finds that financial service providers (FSPs) should carefully consider risk and trust issues to enable uptake. They should also use tailored promotional strategies to cater to different genders.
This paper follows a quasi-experimental research design to assess the impact of the electronic payment system of Mexico’s Progresa-Oportunidades-Prospera (POP) programme.
The G2PX initiative brings expertise across sectors to contribute to the broader agenda of improving government-to-person payments through digitization.
This brief highlights the role of cash transfers and digital distribution as a part of COVID-19 response in Colombia.
A digital strategy for Ethiopia inclusive prosperity