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 document describes four case studies on the use of mobile money in Kenya, covering use by a government ministry (The Ministry of Lands), an NGO implementing partner of USAID (PACT), a g…
A study has found that Kenyan farmers who use mobile money have 35% higher profits per acre of banana production than non-users. Mobile money also increased household income by 40% and contr…
E-procurement is the use of information technology in managing the procurement process in the organization with an aim of improving the procurement process. The study is aimed at determine R…
Digital financial services (DFS) are held out as key financial solutions for improving financial inclusion. However, targeted end users often offer little in the way of obvious profitable op…
This report discusses significant data points from the Financial Inclusion Insights Surveys in Kenya, Tanzania, Rwanda, and Ghana.
This article shows how the increased access to mobile money has increased long term consumption in Kenya and reduced the number of households in extreme poverty.
The report studies the adoption of Mobile money in Kenya and highlights how Mobile money has resulted in reduction of poverty in Kenya.
This study assesses the level of awareness, specifically effect of computer literacy, regarding online filing of tax returns in the context of the Small and Medium Enterprises (SMEs) in Nakuru, Kenya.
This paper considers the impact of the regulatory environment on mobile payments as a channel for delivering inclusive financial services using Kenya, Brazil and India as case studies.
The report charts the story of mobile money covering a decade of progress, industry lessons,impact and the future of the industry.
This report examines the successful lessons from Kenya, South Africa, Sri Lanka, and Thailand case studies of “gazelles", that leapt from limitation to innovation by successfully enabling the deployment of e-money technology.
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.
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.
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 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.
The article highlights that although health insurance coverage is still low in many countries in Sub-Saharan Africa, mobile money use have increased access to it.
As mobile-based digital agricultural solutions take hold in Kenya, there is a great opportunity to use data for improving financial inclusion of smallholder farmers.
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.
This Brookings policy paper, by Prof. Njuguna Ndung'u, argues that instead of increasing the tax base, taxation on mobile phone transactions may end up reversing the adoption of digital payments in Kenya. It says these lessons are also relevant for other African countries considering similar taxes.
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.