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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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…
World Bank joined hands with IFC on a project for digitizing and modernizing Côte d’Ivoire’s social protection payments. Results show a reduction in administrative costs and better targeting of beneficiaries.
Does access to mobile money help improve livelihood in remote settings? This paper shows that rolling out mobile money agents in Northern Uganda led to cost-savings for remittance transactions. It also shows that access to digital payments doubled the nonfarm self-employment rate and reduced the fraction of households with very low food security.
The latest Financial Access 2019 survey shows that around 83% of Kenyans now have a formal account. Cost remains the main barrier for uptake. More Kenyans now save on their mobile phones (54%) than informally.
This paper explores economic informality and how it relates to digital financial inclusion. It focuses specifically on the potential role that digital financial services–including those accessed through mobile phones and the internet can play in encouraging businesses to formalize their operations.
Distributing benefits, such as child support, unemployment and disability assistance, has been transformed by the use of prepaid cards. Instead of mailing paper checks, 40 states now use Vis…
Conditional and unconditional cash transfers have been effective in improving development outcomes in a variety of contexts, yet the costs of these programs to program recipients and impleme…
The largest social program in Mexico, Oportunidades, distributes benefits to 6.5 million people. The government-owned Bank of National Savings and Financial Services (Bansefi) was looking fo…
This focus note reviews early lessons for NGOs from the field. It explores three central questions: Does initial evidence support the notion that mobile money is a cheaper, faster, and more …
Millions of people in the Dominican Republic struggle with poverty and hunger. In the past, distributing food, fuel and medicine was slow, expensive and often didn’t reach the intended recip…
In Brazil, the trucking industry has relied on a paper-based “freight letter” system for paying truck drivers’ salaries. Aside from operational inefficiencies, this method subjected cargo co…
This Microsave report examines initial market perceptions to M-Shwari, a mobile banking service that allows M-PESA customers to borrow money and apply for emergency loans directly through th…
NBER Working Paper No. 19999 Issued in March 2014
We evaluate the impact of biometrically-authenticated payments infrastructure (“Smartcards”) on beneficiaries of employm…
This CGAP Focus Note presents the evidence gained from a comprehensive study of the experiences in developing and implementing e-payment schemes linked to financial inclusion in four lower-i…
The London Borough of Lewisham is an inner-city district serving over 248,000 people.
When young people who have been placed in the Borough’s care leave it at the age of 18, they receiv…
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…
[SWIFT Institute researchers found](http://www.swiftinstitute.org/wp-content/uploads/2014/11/SWIFT-Institute-Working-Paper-No-2014-005-Cross-border-LVP-Regional-Integration-Lipis_v4-FINAL.pd…
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…
The toolkit provides a comprehensive view of scale and nature of Mobile money opportunities; strategic considerations around interoperability and enabling third parties; further providing some insights and best practices around the same.
This paper investigates the impact of mobile financial services - MFS (mobile money, and mobile credit and savings) on the informal sector using data from 101 emerging and developing countries over the period 2000-15.