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.
Filtered
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.
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 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.
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 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 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.
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.
A new World Bank economic analysis says Ghana can reach universal financial access across regions and key demographics using innovative technology.
Cash remains in high demand despite measures by governments to keep funds digital. This Central Bank of Colombia study finds that economic growth and lower interest rates have a role to play.
Low incomes, costs incurred in account ownership, distance from a bank, financial illiteracy and lack of relevant documentation explain low levels of financial inclusion in both India and Africa. In this brief, experts from the Overseas Development Institute discuss what both regions can learn from each other’s efforts to tackle these issues.
This IDRC and SIDA-funded policy paper looks at the state of Information and Communications Technologies in Uganda. Apart from other policy recommendations, it calls for addressing the issue of affordability of devices and data and revisiting the issue of social media and mobile money taxes.
The document presents a vision for how India’s digital economy can unlock productivity and value – through transformative infrastructure, applications and ecosystems. It also outlines iconic…
The report provides key findings from the mobile money workshops conducted by Electronic Cash Transfer Learning Action Network (ELAN) in January 2016- one in Dakar (Senegal) and other one in Gisenyi (Rwanda).
This report discusses significant data points from the Financial Inclusion Insights Surveys in Kenya, Tanzania, Rwanda, and Ghana.
The report finds that infrastructure is one of the most critical parts of delivering electronic payments and also remains woefully lacking. At present about 43 percent of all consumer payments are made with cash.
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.
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,
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.
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 editorial highlights the significance of digital money as a transformational innovation and emphasizes that banks and financial institutions need to develop strategies to respond to opportunities and threats of digital money.