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Global Resources >> Industry Reports

Drivers of digital payments

This study shows that per capita income, education, availability of digital infrastructure and greater internet penetration help in the growth of digital payments in an economy. For India, it suggests that the government should focus on providing a conducive macroeconomic environment and safe and easy access to digital infrastructure.

Global Resources >> Industry Reports

Did you see my tweet?

This FSD Kenya analysis demonstrates the utility of social media (Twitter) analytics tools for monitoring discussions around consumer protection.

Global Resources >> Industry Reports

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.

Global Resources >> Industry Reports

Early Lessons on Regulatory Innovation to Enable Inclusive FinTech

Read the University of Cambridge and UNSGSA report on how regulators are innovating to better respond to financial innovation….

Global Resources >> Industry Reports

Lessons on taxing mobile money transactions

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.

Global Resources >> Industry Reports

Barriers to adoption of digital services

When digital services are designed to only be accessed by more powerful devices, the poor and marginalized are left out. This Institute of Development Studies report discusses barriers in accessing technology-related services in Bangladesh and how they can be removed.

News >> Ideas & Updates

“Botón PSE ha transformado el panorama de pagos en Colombia”

Entrevista a Gustavo Vega, Presidente de la empresa ACH Colombia

News >> Ideas & Updates

“Botón PSE has changed the payment landscape in Colombia”

Interview with Gustavo Vega, President of the clearing house ACH Colombia

Global Resources >> Industry Reports

Bottlenecks for mobile-money adoption

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.

Global Resources >> Industry Reports

State of financial access in Kenya

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.

News >> Newsletter

Role of digital finance in an aging world

A new Better Than Cash Alliance and World Bank paper outlines factors for the financial exclusion of the elderly and explores how digital financial technology can help governments better prepare for global aging challenges.

Global Resources >> Industry Reports

How to create a digital ID for inclusive development

This USAID guide aims to: 1) illustrate how investments in ID systems impact individuals and their households; and 2) provide specific how-to guidance to help donors, program managers, and M&E specialists get started in thinking about ID ecosystems.

Global Resources >> Industry Reports

The Digital Lives of Refugees

This report by GSMA and UNHCR looks at the ways in which refugees are using mobile phones to help guide digital interventions by humanitarian organizations and mobile network operators.

Global Resources >> Industry Reports

How do refugees use their mobile phones?

New GSMA and UNHCR report looks at the ways in which refugees are using their mobile phones to help guide digital interventions by humanitarian organizations and mobile network operators. It identifies affordability, literacy, digital skills, and charging as the main barriers to mobile phone ownership and mobile internet usage.

Global Resources >> Industry Reports

How fintech is driving financial health

At a panel discussion during the recently concluded GSMA M360 Africa, Flourish’s Ameya Upadhyay presented on how to harness the power of new technologies to drive access and transparency. Check out his presentation.

Global Resources >> Industry Reports

Fintech notes: Rise of digital money

This IMF brief takes a first stab at tackling the questions surrounding the rise of new forms of digital money.

News >> Newsletter

Digital payments and Public Financial Management

A new Center for Global Development policy paper explores the linkages between digitalization of payments and effective PFM systems.

Global Resources >> Industry Reports

Designing "smart" to overcome gender bias

Women face additional constraints because of their gender that affect their economic performance. New Oxford University Press paper suggests that specific design features - repeated micro-lending, variation in loan terms, private savings accounts, etc - in financial services can yield more positive economic outcomes for women.

Global Resources >> Industry Reports

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.

Global Resources >> Industry Reports

Emerging trends in managing payment fraud

Based on surveys from 566 business leaders, a new VISA report finds that the top 3 (payments-related) fraud concerns are ID verification, data privacy, and transaction monitoring. It calls for taking a more holistic approach to fraud management which involves a mix of new technologies and new skills.