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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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…
This focus note reviews early lessons for NGOs from the field. It explores three central questions: Does initial evidence support the notion that mobile money is a cheaper, faster, and more …
This report describes the experience of Catholic Relief Services Haiti in employing a new mobile phone–based banking service, T-Cash. This service was adopted on a pilot basis to improve CRS…
The largest social program in Mexico, Oportunidades, distributes benefits to 6.5 million people. The government-owned Bank of National Savings and Financial Services (Bansefi) was looking fo…
This study exams the real and perceived constraints social welfare beneficiaries and low income households face in using formal banking services. The study was done to inform the government…
What roles do financial services play in enabling youth education and employment? This CGAP working paper, for policy-makers and funders, outlines the existing evidence and highlights important questions about how to deliver comprehensive and broad-reaching interventions at scale.
Cash remains in high demand despite measures by governments to keep funds digital. This Central Bank of Colombia study finds that economic growth and lower interest rates have a role to play.
Nandan Nilekani-led high-level panel submitted its report on deepening digital payments in India. It calls for pivoting the ecosystem from issuance to acceptance and shares practical recommendations for doing that. The report refers to 6 Alliance publications.
Government of Bangladesh shifted to digital payments to transfer education stipends directly to mobile phone accounts of nearly 13 million mothers. In this report, CGDev takes stock of how t…
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…
The paper examines the role NPCI played in transforming the way India manages financial transactions, as well as what lessons can be learned from India’s experience.
New research from India states that low adoption of digital payments among small retailers is not a result of supply-side barriers, such as affordability and availability. It is due to deman…
How can platform approaches drive the digitization of cities? Learn how CIVICO and Accion are helping customers and small businesses, in Bogota, Mexico City, and Santiago, connect and transact.
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.
The paper suggests a pragmatic approach for Bangladesh to financially include the underserved through Digital financial services (DFS) by promoting interoperability.
This paper analyzes the legal framework and actual operations of fintech in Vietnam, assesses the opportunities and challenges and proposes recommendations for better application of fintech for promoting financial inclusion.
This study traces the impact of mobile money transfers on rural poverty. Migrants actively using the technology increased remittances sent by 30% in value.
This article situates latest trends within the evolution of Indian and Mexican social policies and discusses how on one hand financial inclusion policies allow vulnerable populations to access new rights while resulting in new ways of controlling consumer behavior.
Access to banks is rapidly increasing worldwide, and allows account-based instead of cash transfers. We conduct a randomized experiment documenting the impact of the payment method on saving…
With 1.5 billion people covered globally, food and voucher programs provide an important lifeline for the poor and vulnerable. The study – The 1.5 Billion People Question: Food, Vouchers or …