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 CGDev study sets out to understand the effectiveness of reforms taken by Andhra Pradesh to digitalize service delivery. It identifies access, accountability, choice, and voice as the four principles underlying the digital reforms there.
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 paper aims at investigating the driving factors for mobile money adoption in the WAEMU region. It identifies literacy rate, mobile infrastructure, and banking infrastructure (ATMs\100,000 people) as the main macroeconomic determinants for adoption.
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.
The World Economic Forum and International Trade Centre’s “Africa e-commerce agenda” discusses 8 policy areas - including enhancing digital payments - that can help unleash the potential of e-commerce in the continent.
Kenya’s “Digital Economy Blueprint” provides a conceptual framework for setting up a successful digital economy in the country. The document identifies and explores five pillars of focus and is relevant for our work not just in Kenya but across Africa.
Over the past five years, mobile money has gained traction in South Asia, which is experiencing an average annual growth rate of 46 percent in mobile money accounts—the highest across all regions. For more details check out IMF’s 2019 Financial Access Survey that was released last week
This ADBI working paper discusses measures to foster digital financial innovation in Indonesia.
The Bain & Company report shows that two Alliance members, Indonesia and Vietnam, are growing the fastest and the adoption of digital payments in the region is expected to cross $1 trillion by 2025.
This brief highlights the role of cash transfers and digital distribution as a part of COVID-19 response in Colombia.
This study exams the real and perceived constraints social welfare beneficiaries and low income households face in using formal banking services. The study was done to inform the government…
Aadhaar, India’s program to provide a unique identity number for every resident, is the largest biometric identification program in the world. Launched in 2008, the program has created biome…
A CGAP report analyzing the agent incentive scheme introduced in Colombia in conjunction with the payment of social cash transfers. [More information](http://cgap.org/publications/incentives…
This CGAP research paper describes the key challenges Davivienda, a Colombian bank faced through the journey to delivery G2P payments over mobile: how the service delivery model had to be ad…
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…
The paper explores the opportunities to overcome barriers to financial access in Bangladesh through branchless banking and emphasis that financial inclusion and inclusive growth could be advanced through existing work by Bangladesh bank on favorable agent banking policies
The report provides an overview of the MFS progress in Bangladesh and discusses how selection of staff and beneficiaries from USAID agriculture and health projects are using both traditional and mobile financial services.
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.
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,
The report attempts to understand the factors that drive awareness and interest among current non-users of digital payments in India and analyzes the experience of current users and dentify potential strategies to spur the adoption among these consumers and merchants.