Driving sales through digital working capital loans for small merchants

Unilever partnered with Mastercard and Kenya Commercial Bank to develop a digital working capital platform helping small merchants grow sale in Kenya, called Jaza Duka.

Digital systems hasten service delivery

Financial inclusion is making great strides

10 reasons to be optimistic that full financial inclusion is possible through digital payments

As the world gets a progress report from the World Bank, the Alliance outlines 10 key reasons to be optimistic about the journey toward full financial inclusion.

“Digital payments can be a game-changer for farmers”

Interview with World Cocoa Foundation, Paul F. Macek, Vice President for Programs

Why Do Defaults Affect Behavior? Experimental Evidence from Afghanistan

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…

Bargaining to work: the effect of female autonomy on female labour supply

The use of digital cards for government safety net transfers enhanced women’s decision-making power in the household and led to a 92% increase in women’s likelihood of participating in the l…

2017 State of the Industry Report on Mobile Money

The mobile money industry is now processing a billion dollars a day and generating direct revenues of over $2.4 billion. With 690 million registered accounts worldwide, mobile money has evol…

Senegal’s commitment to digitizing payments at local level is setting an example for the region

Senegal has just announced a new partnership to accelerate the country’s transition from cash to digital payments, improving local governance and service delivery for its citizens.

One token changing the game for sustainable rural water supply in Tanzania

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 …

Governments can use digital financial technologies to fight corruption

Mobile banking: A potential catalyst for financial inclusion and growth in Pakistan

This paper traces the history of mobile banking in Pakistan, studies various models of mobile banking and assesses its current state.

New Public Management Issues in Zimbabwe

This chapter discusses the ecological contexts, processes, and trajectory of New Public Management (NPM) in Zimbabwe.

Growth of mobile financial services key learnings from literature, industry analysis and cases

This paper includes an extensive literature review on Mobile financial Services (MFS)and provides an overview of existing MFS landscape.

Ghana Country Diagnostic is out!

Ghana has made significant gains, including almost 100 percent government payments to people and payments within the government now processed digitally.

New UN report reveals momentum for digital payments in Ghana could save over GHS 1 billion within next four years

With 37 percent of the value of all payments now made digitally, Ghana is on course to be a leader in the region, with great potential to expand economic opportunities for businesses

Country Diagnostic: Ghana

This Diagnostic Report shows Ghana has taken important steps toward digitizing its economy, and has several of the building blocks of an inclusive digital ecosystem already in place.

Finclusion to Fintech: Fintech Product Development for Low-Income Markets

The paper presents detailed insights from 15 years of financial inclusion research to highlight the importance of fintech, including proposing product development ideas for Fintech players, to better serve developing world market.