Mobile payments

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Global Resources >> Industry Reports

8 ways to boost Africa's digital ecosystem

The World Economic Forum and International Trade Centre’s “Africa e-commerce agenda” discusses 8 policy areas - including enhancing digital payments - that can help unleash the potential of e-commerce in the continent.

© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

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…
© © The Author(s) 2019
Global Resources >> Industry Reports

Strategies for fintechs in the Pacific 

New IMF paper outlines policy strategies to help promote financial inclusion through fintechs in the Pacific Island countries. It calls on governments to close regulatory gaps and enhance digital and financial literacy while urging fintechs to take a regional approach to overcome scalability constraints.
© © Better Than Cash Alliance
Global Resources >> Industry Reports

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 …
Global Resources >> Industry Reports

Drivers of digital payments

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.
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

How to consolidate gains in digital payments

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.
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Lessons on taxing mobile money transactions

This Brookings policy paper, by Prof. Njuguna Ndung'u, argues that instead of increasing the tax base, taxation on mobile phone transactions may end up reversing the adoption of digital payments in Kenya. It says these lessons are also relevant for other African countries considering similar taxes.
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Barriers to adoption of digital services

When digital services are designed to only be accessed by more powerful devices, the poor and marginalized are left out. This Institute of Development Studies report discusses barriers in accessing technology-related services in Bangladesh and how they can be removed.
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Bottlenecks for mobile-money adoption

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.
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

State of financial access in Kenya

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. 
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

The Digital Lives of Refugees

This report by GSMA and UNHCR looks at the ways in which refugees are using mobile phones to help guide digital interventions by humanitarian organizations and mobile network operators.
© © GSMA
Global Resources >> Industry Reports

How do refugees use their mobile phones? 

New GSMA and UNHCR report looks at the ways in which refugees are using their mobile phones to help guide digital interventions by humanitarian organizations and mobile network operators. It identifies affordability, literacy, digital skills, and charging as the main barriers to mobile phone ownership and mobile internet usage.
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Fintech notes: Rise of digital money

This IMF brief takes a first stab at tackling the questions surrounding the rise of new forms of digital money.
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

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.
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Emerging trends in managing payment fraud

Based on surveys from 566 business leaders, a new VISA report finds that the top 3 (payments-related) fraud concerns are ID verification, data privacy, and transaction monitoring. It calls for taking a more holistic approach to fraud management which involves a mix of new technologies and new skills.
© © Better Than Cash Alliance
Global Resources >> Industry Reports

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.
© © Better Than Cash Alliance / Allan Gichigi
Global Resources >> Industry Reports

Lessons from implementing P2G payments strategies

This GSMA study shares lessons from Orange’s work in West and Central Africa on implementing Person-to-Government (P2G) payment strategies.

© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

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.
© © Better Than Cash Alliance
Global Resources >> Industry Reports

The Impact of Mobile Money on Poor Rural Households : Experimental Evidence from Uganda

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. 
Global Resources >> Industry Reports

Perspectives from SME banking leaders

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

© ©Bill & Melinda Gates Foundation/Frederic Courbet