Europe and central asia

Cashless Cities: Realizing the benefits of digital payments

Everything from the range of goods and services we buy to how we buy them has drastically shifted toward digital, bringing significant benefits to consumers, businesses and economies. As the…

India’s digital future

India was already on a path to growth, but the country’s drive toward digitization may put it on track to be the world’s fastest growing economy over the next decade. Buoyed by demographics,…

Digitizing retail payments: Building a successful loyalty model

On creating loyalty programs for customers….

Ghana Country Diagnostic is out!

Ghana has made significant gains, including almost 100 percent government payments to people and payments within the government now processed digitally.

Decoding digital impact: A $45 billion opportunity in FMCG

The influence of digital in FMCG is often understated—India is severely lagging behind in digital spends despite a massive online population. By 2020, approximately $45 billion of the FMCG s…

New UN report reveals momentum for digital payments in Ghana could save over GHS 1 billion within next four years

With 37 percent of the value of all payments now made digitally, Ghana is on course to be a leader in the region, with great potential to expand economic opportunities for businesses

Country Diagnostic: Ghana

This Diagnostic Report shows Ghana has taken important steps toward digitizing its economy, and has several of the building blocks of an inclusive digital ecosystem already in place.

Unilever joins the Better Than Cash Alliance

Leading consumer goods company and sustainability champion Unilever has committed to transition away from cash throughout its value chain.

Unilever raises the bar on private sector leadership to achieve the SDGs through digital payments

In a significant step towards integrating social benefits into business strategy, the UN-based Better Than Cash Alliance announced its newest member: Unilever.

Merchant payments: VAS playbook

This playbook discusses the various potential Value Added Services that could increase uptake of mobile retail payments in Tanzania and similar emerging markets.

Finclusion to Fintech: Fintech Product Development for Low-Income Markets

The paper presents detailed insights from 15 years of financial inclusion research to highlight the importance of fintech, including proposing product development ideas for Fintech players, to better serve developing world market.

Improving financial inclusion through social transfers

This paper looks at the impact of shifting to digital payments in Progresa-Oportunidades-Prospera Programme.

Digitizing Merchant Payments: What Will It Take?

The presentation provides ideas for digital payments to replace cash as the most used mode of retail merchants worldwide.

Mobile power payments and smart meters plug in Tanzanian homes

Innovations for a cashless world

The report illuminates trends shaping the future of commerce and provides insights from Visa’s third annual Future of Payments study based on 9,200 online surveys across 16 countries.

Building Electronic Payment Acceptance at the Base of the Pyramid to Advance Financial Inclusion

This report identifies critical barriers to the expansion of electronic payment acceptance and effective ways to address the challenges of building the ecosystem for payment acceptance among SMBs.

Bringing E-money to the Poor: Successes and Failures

This report examines the successful lessons from Kenya, South Africa, Sri Lanka, and Thailand case studies of “gazelles", that leapt from limitation to innovation by successfully enabling the deployment of e-money technology.

Branchless Banking in Pakistan: Opportunities and Challenges

The paper examines strengths, weakness, opportunities and threats of branchless banking and recommends some strategies around the identified challenges with a focus on Pakistan.