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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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…
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…
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…
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…
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 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.
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 provides evidence on role of financial inclusion in bringing efficiencies to emergency transfers through digital and mobile distribution channels.
Focussing on women, and micro, small, and medium enterprises (MSMEs), the paper highlights that digital financial solutions could play a significant part in closing gaps in financial inclusion and povides insights from Indonesia, Philippines, Cambodia, and Myanmar.
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.
Using various global datasets, this study quantifies the effect of financial inclusion and digital payments on income and individual government tax revenues to be an additional $4.1 trillion in the world economy.
The handbook emphasizes the financial opportunities made possible by digital banking, such as financial inclusion and impact investing and summaries standard models of various new technologies.
The working paper discusses critical challenges in education finance and the innovations in digital finance, which plays an important role on the Sustainable Development Goal for education.
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.
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.