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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At the heart of this financial transformation is the rise of digital payments services through which nearly any individual or business can send or receive money in real time for almost any p…
The study provides emperical evidence of how the expansion of electronic payments has a significant, positive effect on future economic growth.
This brief elucidates how digital finance is enabling pay-as you-go (PAYG) energy expansion, which delivers greater access to wide-ranging financial products to the unbanked. It discusses the evidence from Kenya, Uganda, and Ghana.
Aadhaar, India’s program to provide a unique identity number for every resident, is the largest biometric identification program in the world. Launched in 2008, the program has created biome…
Ethiopia has a sole mobile network provider and a banking sector that is closed to foreign ownership. Does that make it easy for the government to take a rural-first approach to digitization? Learn about it more in this USAIDFeed The Future brief that also mentions the Alliance.
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.
Digital Financial Services (DFS) is a relatively new, low-cost means of digital access to transactional financial services. Often termed ‘mobile money’ or ‘mobile financial services,’ DFS is…
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…
Indian economy is operating at an estimated $33 billion less cash than it would have without demonetization. Income tax buoyancy is at a decade high of 2.20. This Harvard Business Review art…
This playbook discusses the various potential Value Added Services that could increase uptake of mobile retail payments in Tanzania and similar emerging markets.
This study analyzes whether mobile payments are still relevant for the fintech industry by comparing three mobile payment projects – Oi Paggo in Brazil, TCASH in Indonesia, and M-PESA in Kenya.
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 report highlights UNDP’s role as a leading organization in enhancing digital public infrastructure and driving the digital agenda at the country level, especially during the COVID-19 pandemic.
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.
The paper shows that behavioral intention, demonetization and facilitating conditions have a positive impact on the adoption of mobile payment services in India.
This paper provides frameworks for understanding where the value-creation elements of DPI originate and how to design a DPI governance that maximises public value.
What measures can businesses, governments, and individuals take to make a smooth transition into the digital economy? Read this in-depth analysis by McKinsey that details the state of digitization in the country and the pace at which it is happening.
In this report, McKinsey Global Institute discusses the opportunities and challenges in setting up a good digital ID system. It also features case studies on Nigeria, Ethiopia and India. …
“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.”
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.