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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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…
The Handbook advices and informs on current dynamics, opportunities, challenges and policy options for Africa’s regional integration agenda.
The global economy is experiencing important technological shifts, with the rise of digital technology a key driver. This can be seen today in the rapid growth of the digital economy, broadl…
Access to banks is rapidly increasing worldwide, and allows account-based instead of cash transfers. We conduct a randomized experiment documenting the impact of the payment method on saving…
This paper analyzes the legal framework and actual operations of fintech in Vietnam, assesses the opportunities and challenges and proposes recommendations for better application of fintech for promoting financial inclusion.
This paper provides examples of how digitization in Kenya has supported the economy via a retail electronic payments system, financial inclusion, increased financial sector vibrancy, and pushed GDP growth with it.
“The study finds that the type of mobile coverage provided has a significant effect on the DFS UI and type of mobile phone that can be used for DFS access.Feature phones and Unstructured Supplementary Service Data transactions continue to be the choice for the vast majority users.”
The paper suggests a pragmatic approach for Bangladesh to financially include the underserved through Digital financial services (DFS) by promoting interoperability.
A year and a half post demonetization, only about 5% of India’s ~60 million MSMEs own digital acceptance devices. This report provides a deeper context and recommendations on small business profiles, infrastructure, needs, behaviors, and perceptions.
This report lays out the principles for a new digital economy for MENA that embraces innovation and entrepreneurship, youth and women economic empowerment, rekindling the role of State, etc.
This study investigates whether strengthening mobile money ecosystems around PNG’s resource regions can improve the distribution of compensation and benefits payments for local communities; Enhance social license for resources companies; and catalyze financial inclusion efforts.
Through an interpretive case study of the Benazir Income Support Programme (BISP) in Pakistan, this paper critically examines mobile banking usage by women beneficiaries and technology’s effects on the institutional properties of their households.
Water providers are shifting to digital payments to reduce expenses and streamline delivery. In this report, CGAP and GSMA share lessons learned from 25 organizations, including the challeng…
The book outlines a journey from enabling models of government and business to strategies for creating both financial and social inclusion and entrepreneurism as mechanisms for sustainable and inclusive growth.
What roles do financial services play in enabling youth education and employment? This CGAP working paper, for policy-makers and funders, outlines the existing evidence and highlights important questions about how to deliver comprehensive and broad-reaching interventions at scale.
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.
This paper identifies and discusses principles and applications of Blockchain that enhance trust, transparency, and auditability in Social Business (SB) activities. It outlines the challenges related to creating a native cryptocurrency for SB, and barriers to infrastructure and technology adoption by different SB stakeholders.
New World Bank Findex note discusses the many ways in which young people in Sub-Saharan Africa are using formal financial services for entrepreneurship.
This paper suggests policymakers and other stakeholders should leverage trends toward financially-inclusive e-payments as a means to achieve multiple potential objectives for bringing financial inlcusion to adolescent girls.
Flat World Navigation introduces the new future of work in the ‘flattened world’ of the new digital attention-based economy, this book provides insights and advice to build your skills base and empower the next generation of business people.