Merchants

E-payments pushed amid lockdown

A Fine Balance: Regulation & Greater Economic Opportunity in the Case of Payment Gateways for Merchants

Opening new payment gateways for merchants presents risks but much greater opportunities. Striking the right balance between fostering innovative services and managing risk is crucial.

How to improve adoption among merchants

This study finds that perceived value addition for the customers and usefulness of technology are important determinants of adoption of mobile wallet technology among merchants. 

Instant Secure Mobile Payment Scheme

The paper proposes a new communication network, Speed PAy, that jointly connects the banks together and allows the customers to process all kind of transactions with the use of their cell phones and without the need for a new SIM.

BSP Holds Digital Payments Leaders Summit as the Country Moves Closer to a Cash-lite Economy

Country Diagnostic: The Philippines (2019 edition)

The Bangko Sentral ng Pilipinas (BSP) and the Philippine Government recognize digital payments as a policy priority to enable Filipinos to seize the opportunities of the digital revolution.

In Bangladesh, key public and private sector actors commit to scaling digital wages across garment sector

Dhaka, November 20, 2019 - Media release by Government of Bangladesh: Building on what has been achieved so far, the government and the private sector have committed to working together to…

Global evidence on contribution of MSMEs

New ILO study reveals seven in 10 workers are self-employed or in small businesses. The study also finds that an average of 62% of employment (in the 99 countries studied) is in the informal sector. It calls for creating an enabling environment for these businesses and supporting them through access to finance and digital infrastructure.

How mobile phones improve market efficiency?

This paper finds that mobile phone network rollout, that allowed traders better access to market information, led to a 10-13% reduction in price dispersion of maize crop.

Leveraging Digital Financial Solutions to Promote Formal Business Participation

This paper explores economic informality and how it relates to digital financial inclusion. It focuses specifically on the potential role that digital financial services–including those accessed through mobile phones and the internet can play in encouraging businesses to formalize their operations.

Tienda Pago’s Digital Solution for Fast-Moving Consumer Goods

This report discusses Tienda Pago’s Digital Solution for Fast-Moving Consumer Goods.

bKash: Revolutionizing Mobile Financial Services in Bangladesh?

This study discusses the emergence of bKash as the m-banking pioneer in Bangladesh. It focuses on the services provided by bKash and its current operating scenario in Bangladesh. bKash’s str…

Blockchain and supply chain management integration: a systematic review of the literature

“Purpose This paper aims to identify, analyse and organise the literature about blockchains in supply chain management (SCM) context (blockchain–SCM integration) and proposes an agenda for …

“Botón PSE has changed the payment landscape in Colombia”

Interview with Gustavo Vega, President of the clearing house ACH Colombia

“Botón PSE ha transformado el panorama de pagos en Colombia”

Entrevista a Gustavo Vega, Presidente de la empresa ACH Colombia

Understanding merchant payments landscape 

A new Karandaaz study shows that around 95% of merchants in Pakistan do not accept digital payments. To promote adoption, it calls for creating awareness among users, better infrastructure, interoperability and reliability of services.

Mobile-delivered economic ID for inclusion of SMEs

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.

The Effect of Payment Choices on Online Retail: Evidence from the 2016 Indian Demonetization

This Harvard Business School paper concludes that consumers who switch to digital payments maintain their purchase frequency but spend more and are less likely to return their purchases.

Perspectives from SME banking leaders

IFC report aggregates responses from 114 SME banking executives serving more than 17.5 million small businesses.

DLT: Keep Calm and Let the Evidence Speak

Blockchain Series: Blog 3…