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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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.
The report attempts to understand the factors that drive awareness and interest among current non-users of digital payments in India and analyzes the experience of current users and dentify potential strategies to spur the adoption among these consumers and merchants.
The working paper discusses critical challenges in education finance and the innovations in digital finance, which plays an important role on the Sustainable Development Goal for education.
This report analyzes the role of regulators in promoting instant payments and identifies instances of payment instrument substitution.
This WEF report explores how redefining and measuring the way digital payments interact with one another can help drive economic growth and financial inclusion.
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.
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…
This brief highlights the role of cash transfers and digital distribution as a part of COVID-19 response in Colombia.
In this report, the relationship between financial infrastructure and the performance of disbursement programs in their design ambition and how well they delivered is assessed.
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…
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…
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 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 playbook discusses the various potential Value Added Services that could increase uptake of mobile retail payments in Tanzania and similar emerging markets.
In Brazil, the trucking industry has relied on a paper-based “freight letter” system for paying truck drivers’ salaries. Aside from operational inefficiencies, this method subjected cargo co…
The paper shows that behavioral intention, demonetization and facilitating conditions have a positive impact on the adoption of mobile payment services in India.
Although cashless payment instruments have been available in Mexico for some time, their rate of adoption was not remarkably fast, until the last 15 years. This chapter seeks to document this phenomenon and discuss some hypotheses on why the adoption rate is still low.
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. …
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.