Innovation infrastructure

A Roundup of Our Latest Research

A roundup of our latest reports and case studies

Guidelines for ID4D Diagnostics Toolkit

The focus of this Guide is on the design and implementation of digital ID systems that provide people with proof of legal identity, which is commonly needed to access basic services, rights, and protections.

Bargaining to work: the effect of female autonomy on female labour supply

The use of digital cards for government safety net transfers enhanced women’s decision-making power in the household and led to a 92% increase in women’s likelihood of participating in the l…

2017 State of the Industry Report on Mobile Money

The mobile money industry is now processing a billion dollars a day and generating direct revenues of over $2.4 billion. With 690 million registered accounts worldwide, mobile money has evol…

Senegal’s commitment to digitizing payments at local level is setting an example for the region

Senegal has just announced a new partnership to accelerate the country’s transition from cash to digital payments, improving local governance and service delivery for its citizens.

Enabling framework for regulatory sandbox

Reserve Bank of India has issued the final enabling framework for setting up a regulatory sandbox. This will allow fintechs to test their applications in a flexible regulatory environment before introducing them in the wider market. 

Aadhaar & Blockchain: opportunities and challenges for India

In India, the inability to prove one’s identity is one of the biggest barriers that prevents the poor from accessing benefits and subsidies. India is a country with 1.3 billion residents in …

One token changing the game for sustainable rural water supply in Tanzania

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 …

The trillion-dollar prize: Plugging government revenue leaks with advanced analytics

Governments can capture about 20% of leakages over several years of concentrated effort using digital payment data, alternative data sources, and advanced analytics. Worldwide, that represe…

Governments can use digital financial technologies to fight corruption

A Case Study on Monetary Fraud in a Cashless Economy

A case study on three countries Sweden, United States and India is conducted to survey variations in costs for cash and card instruments in economies that have varying extents of cash in cir…

What made 2017 special?

The wins our Alliance had in transition to digital payments

Mobile money

This review provides an overview of the operations and impacts of mobile money in the developing world and discussing what the future of mobile money in developing economies may look like.

Mobile banking: A potential catalyst for financial inclusion and growth in Pakistan

This paper traces the history of mobile banking in Pakistan, studies various models of mobile banking and assesses its current state.

Law and Regulation of Mobile Payment Systems: Issues arising 'post'financial inclusion in Kenya

This study analysis the emerging legal and regulatory issues that mobile payments introduced in Kenya.

New Public Management Issues in Zimbabwe

This chapter discusses the ecological contexts, processes, and trajectory of New Public Management (NPM) in Zimbabwe.

Identifying the critical success factors and an optimal solution for mobile technology adoption in travel agencies

To effectively use of mobile technologies, this study develops a multifaceted framework to analyze critical success factors and determine an optimal solution for mobile technology adoption in travel agencies.