Retail payments

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.

The Hidden Costs of Cash to Ghana’s Cocoa Sector

New report reveals the cocoa sector in Ghana faces avoidable costs and inefficiencies representing 19% of revenues.

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.

Guide to the Use of Digital Financial Services in Agriculture

This Guidebook provides an easy-to-use tool to understand how digital finance is helping addressing some of the challenges faced by smallholder farmers and includes some interesting use cases from Bangladesh, Malawi, Zimbabwe and Nigeria.

Liberian Teacher ePayments: Stepping Stones to Inclusion

This blog, focussing on case of Liberia, discusses how digital payments are improving government service delivery and leading to higher take-home pay and improved transparency.

Mobile-delivered economic ID for inclusion of SMEs

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.

Quality of service more important than cost for humanitarian workers

The report provides key findings from the mobile money workshops conducted by Electronic Cash Transfer Learning Action Network (ELAN) in January 2016- one in Dakar (Senegal) and other one in Gisenyi (Rwanda).

What does mobile money usage look like in Rwanda and Ghana?

This report discusses significant data points from the Financial Inclusion Insights Surveys in Kenya, Tanzania, Rwanda, and Ghana.

Fintech for Financial Inclusion: A Framework for Digital Financial Transformation-A Report to the Alliance for Financial Inclusion (AFI)

The paper outlines potential for growth for FinTech for financial inclusion while emphasising on the need for regulatory approaches , citing some successful cases from India , Kenya and China.

Employee Wellbeing, a Pillar of Stability for the Local Ecosystem

CSS is thus strongly committed to providing high-quality services to its workers and their families, both formal and informal financial services.

World Development Report 2016: Access to the Internet inadequate

USAID has commissioned this study to understand the perceptions towards digital payments among consumers and merchants in low-income communities. The research provides key findings from quantitative surveys carried out in Indian cities- Mumbai, Hyderabad, Kota, Vishakhapatnam, Guntur and Jaunpur,

Stimuler la Numérisation des Paiements Marchands en Côte d’Ivoire: des Clients aux Fournisseurs

90% des marchands ivoiriens estiment que la gestion du cash est une entrave au bon développement de leurs activités et sont favorables aux paiements digitaux

One single step can boost the GDP by 7%, create 4 million jobs: Report

La Côte d’Ivoire, leader des paiements marchands digitaux dans l’UEMOA et chantre de l’inclusion financière des femmes

Le Gouvernement ivoirien dévoile son nouveau guide d’orientation pour stimuler les paiements marchands digitaux de manière responsable, l’inclusion financièrej et la croissance

Helping Livestock Herders Modernize and Operate More Professionally

In 2020 Kossam SDE successfully launched payment digitization for more than 850 herders, helping to improve their living and working conditions.

Digital Finance Energy

This brief elucidates how digital finance is enabling pay-as you-go (PAYG) energy expansion, which delivers greater access to wide-ranging financial products to the unbanked. It discusses the evidence from Kenya, Uganda, and Ghana.