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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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…
Digital financial services (DFS) are held out as key financial solutions for improving financial inclusion. However, targeted end users often offer little in the way of obvious profitable op…
The paper explores the opportunities to overcome barriers to financial access in Bangladesh through branchless banking and emphasis that financial inclusion and inclusive growth could be advanced through existing work by Bangladesh bank on favorable agent banking policies
The report provides an overview of the MFS progress in Bangladesh and discusses how selection of staff and beneficiaries from USAID agriculture and health projects are using both traditional and mobile financial services.
This report is based on primary research on agriculture mobile payments initiatives in Ghana, Uganda and Zambia with the aim of understanding the potential of mobile finance for the agricultural sector and how these barriers might be overcome.
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 report makes recommendations for government in india to shape policy that simplifies KYC requirements, making digital payment transactions more user friendly.
The paper estabishes that mobile applications are well positioned in Bangladesh’s m-commerce market and are capable of driving sales of high-end mobile phones while providing better services to the users.
Focussing on women, and micro, small, and medium enterprises (MSMEs), the paper highlights that digital financial solutions could play a significant part in closing gaps in financial inclusion and povides insights from Indonesia, Philippines, Cambodia, and Myanmar.
Today, over half of the world population lives in cities. By 2050, this number will increase to two-thirds. In this context, this study looks at the net benefits associated with adopting digital payments at the city-level.
The paper examines strengths, weakness, opportunities and threats of branchless banking and recommends some strategies around the identified challenges with a focus on Pakistan.
The paper presents detailed insights from 15 years of financial inclusion research to highlight the importance of fintech, including proposing product development ideas for Fintech players, to better serve developing world market.
This paper traces the history of mobile banking in Pakistan, studies various models of mobile banking and assesses its current state.
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…
In December 2017, there were over 2.9 million active agents and 690 million registered customer accounts worldwide. Primarily responsible for registering customer accounts, mobile money agen…
The paper outlines potential for growth for FinTech for financial inclusion while emphasising on the need for regulatory approaches , citing some successful cases from India , Kenya and China.
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 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 paper provides an extensive literature review of the existing global MFS industrya and discusses key learning and recommendations based on insights from ‘Easypaisa’ in Pakistan.
This ADBI working paper discusses measures to foster digital financial innovation in Indonesia.