Retail payments

Digitizing Merchant Payments: What Will It Take?

The presentation provides ideas for digital payments to replace cash as the most used mode of retail merchants worldwide.

Mobile Money and the importance of timely, complete payments to frontline health campaign workers in the fight to eradicate polio: pilot experience from a WHO digital payment platform in Africa

Mobile payments: How digital finance is transforming agriculture

This report is based on primary research on agriculture mobile payments initiatives in Ghana, Uganda and Zambia with the aim of understanding the potential of mobile finance for the agricultural sector and how these barriers might be overcome.

Ethiopia Digital Payments Strategy: Digital Ethiopia 2025

A digital strategy for Ethiopia inclusive prosperity

Building inclusive payment ecosystems in Tanzania and Ghana

At the heart of this financial transformation is the rise of digital payments services through which nearly any individual or business can send or receive money in real time for almost any p…

Developing Inclusive Digital Payment Systems

This report from Centre for Strategic and International Studies makes a strong case for digital payments for equity, development and security.

State of Maryland: Significant savings and improved convenience with electronic payments

The State of Maryland needed a faster, more reliable and more cost effective way of making unemployment benefit payments to citizens who depended on them.

The State’s original process was…

Accelerating winds of change in global payments

The COVID-19 crisis is having a significant and widespread effect on global payments across sectors. The most striking and potentially lasting impact is an accelerating pace of change in the industry.

Toward a Cash-Lite Ghana: Building an Inclusive Digital Payments Ecosystem

The Ghana Digital Payments Roadmap is designed to chart the way to a vibrant and inclusive digital payments ecosystem.

How to create modern G2P payment systems

New CGAP focus note explores the core idea behind future-ready G2P payments, lays out its advantages and challenges, and describes how governments can create modern G2P payments systems. It draws heavily from ongoing efforts in Bangladesh, India, Kenya, Tanzania and Zambia.

Cash usage behaviour and its implication for digital payments: A case of Ghana and Nigeria's smallholder cassava value chain

Education programs and awareness campaigns can help improve mobile money usage among smallholder cassava farmers in Nigeria and Ghana. Better agent network and incentives may help too. Read …

Understanding merchant payments landscape 

A new Karandaaz study shows that around 95% of merchants in Pakistan do not accept digital payments. To promote adoption, it calls for creating awareness among users, better infrastructure, interoperability and reliability of services.

Digitizing Uganda’s Education Sector with Mobile Payment Platform

A new payment platform launched by Mastercard, UNICEF and the Ministry of Education in Uganda is gaining traction, reaching over 130,000 registered students in just one year….

“Payment and Settlement Systems in India: Vision 2019 – 2021

With an aim to create a cash-lite economy, the Reserve Bank of India has published its “Payments System Vision 2021.” The document can be a useful resource for members like Ghana who are wor…

Lessons from implementing P2G payments strategies

This GSMA study shares lessons from Orange’s work in West and Central Africa on implementing Person-to-Government (P2G) payment strategies.

How to consolidate gains in digital payments

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.

McKinsey: The future of payments in the Middle East

Through surveys with consumers and payments practitioners, McKinsey share anticipated trends which will shape the region’s ‘payments revolution’ over the next five years.

Kenya's National Payments Strategy 2022-2025

The 2022-2025 strategy envisages a secure, fast, efficient and collaborative payments system that supports financial inclusion and innovations for all Kenyans.

The State Of Inclusive Instant Payment Systems In Africa

The report assesses the landscape of 32 instant payment systems in Africa, measuring their performance on criteria such as interoperability, use cases, channels, and governance.

Kenya Case Studies in e-Payments

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…