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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What roles do financial services play in enabling youth education and employment? This CGAP working paper, for policy-makers and funders, outlines the existing evidence and highlights important questions about how to deliver comprehensive and broad-reaching interventions at scale.
The participation of many underprivileged social clusters in the financial services sector has invariably been problematic in South Africa. This may be attributed to the country’s laws and p…
Water providers are shifting to digital payments to reduce expenses and streamline delivery. In this report, CGAP and GSMA share lessons learned from 25 organizations, including the challeng…
Through an interpretive case study of the Benazir Income Support Programme (BISP) in Pakistan, this paper critically examines mobile banking usage by women beneficiaries and technology’s effects on the institutional properties of their households.
This study investigates whether strengthening mobile money ecosystems around PNG’s resource regions can improve the distribution of compensation and benefits payments for local communities; Enhance social license for resources companies; and catalyze financial inclusion efforts.
This report lays out the principles for a new digital economy for MENA that embraces innovation and entrepreneurship, youth and women economic empowerment, rekindling the role of State, etc.
A year and a half post demonetization, only about 5% of India’s ~60 million MSMEs own digital acceptance devices. This report provides a deeper context and recommendations on small business profiles, infrastructure, needs, behaviors, and perceptions.
This study analyzes whether mobile payments are still relevant for the fintech industry by comparing three mobile payment projects – Oi Paggo in Brazil, TCASH in Indonesia, and M-PESA in Kenya.
The paper suggests a pragmatic approach for Bangladesh to financially include the underserved through Digital financial services (DFS) by promoting interoperability.
This paper provides examples of how digitization in Kenya has supported the economy via a retail electronic payments system, financial inclusion, increased financial sector vibrancy, and pushed GDP growth with it.
This chapter provides an overview of financial inclusion around the world and discusses the empirical evidence on how the use of formal financial services significantly contribute to inclusive growth and economic development.
This paper analyzes the legal framework and actual operations of fintech in Vietnam, assesses the opportunities and challenges and proposes recommendations for better application of fintech for promoting financial inclusion.
Access to banks is rapidly increasing worldwide, and allows account-based instead of cash transfers. We conduct a randomized experiment documenting the impact of the payment method on saving…
The global economy is experiencing important technological shifts, with the rise of digital technology a key driver. This can be seen today in the rapid growth of the digital economy, broadl…
Blockchain technology is swiftly entering the fields of humanitarian and development aid. While it has the potential to revolutionize the aid sector, e.g., through pairing smart contracts wi…
We report on an experiment examining why default options impact behavior. By randomly assigning employees to different varieties of a salary-linked savings account, we find that default enro…
In India, the inability to prove one’s identity is one of the biggest barriers that prevents the poor from accessing benefits and subsidies. India is a country with 1.3 billion residents in …
A water payment’s digitization project resulted in tripling water utility payments and reducing water collection waiting time from 3 hour to 10 minutes on average within a year, benefitting …
A case study on three countries Sweden, United States and India is conducted to survey variations in costs for cash and card instruments in economies that have varying extents of cash in cir…
This review provides an overview of the operations and impacts of mobile money in the developing world and discussing what the future of mobile money in developing economies may look like.