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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The report studies the adoption of Mobile money in Kenya and highlights how Mobile money has resulted in reduction of poverty in Kenya.
This article shows how the increased access to mobile money has increased long term consumption in Kenya and reduced the number of households in extreme poverty.
This paper traces the history of mobile banking in Pakistan, studies various models of mobile banking and assesses its current state.
This blog, focussing on case of Liberia, discusses how digital payments are improving government service delivery and leading to higher take-home pay and improved transparency.
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…
A water payment’s digitization project resulted in tripling water utility payments and reducing water collection waiting time from 3 hour to 10 minutes on average within a year, benefitting …
Nigeria’s micro-entrepreneurs will be willing to shift to e-filing of taxes if it: 1) enhances their ability to file taxes; 2) Is easy to use; 3) Is adopted by family and peers. Trust in technology was found to be an insignificant predictor.
We report on an experiment examining why default options impact behavior. By randomly assigning employees to different varieties of a salary-linked savings account, we find that default enro…
This CGAP blog dicsusses the successful cases of public-private partnerships to drive various digitiziation initiatives in Rwanda. One of those being ‘Rwanda Online’, which has brought 100 government services online over a period of three years and the digitization of bus fare payments in the same.
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….
This study assesses the level of awareness, specifically effect of computer literacy, regarding online filing of tax returns in the context of the Small and Medium Enterprises (SMEs) in Nakuru, Kenya.
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.
Based on a survey of over 1,200 people in three districts of Rwanda, this Smart Campaign report delves into the experiences of users of digital financial services.
This GSMA study shares lessons from Orange’s work in West and Central Africa on implementing Person-to-Government (P2G) payment strategies.
This FSD Kenya analysis demonstrates the utility of social media (Twitter) analytics tools for monitoring discussions around consumer protection.
Unregistered SMEs account for 65% of Nigeria’s GDP. Most of them often struggle to demonstrate their personal and business credentials to service providers and customers. This GSMA research finds that there is a need for new approaches to identity and mobile-delivered ‘economic ID’ solution holds promise.
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.
Prepared at the request of the G7 French Presidency, this Gates Foundation report aims to be “a blueprint for improving digital financial inclusion in Africa.”
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 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.