Africa middle east

Digitizing Merchant Payments: What Will It Take?

The presentation provides ideas for digital payments to replace cash as the most used mode of retail merchants worldwide.

Digitizing merchant payments in Bangladesh

Better placement of marketing materials can help boost usage of digital payments in small merchants. What are some other ways to drive usage? Read this IFC report that is based on feedback and learnings from early adopters of bKash in Bangladesh.

What explains low adoption of digital payment technologies? Evidence from small-scale merchants in Jaipur, India

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…

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.

Cash usage behaviour and its implication for digital payments: A case of Ghana and Nigeria's smallholder cassava value chain

Education programs and awareness campaigns can help improve mobile money usage among smallholder cassava farmers in Nigeria and Ghana. Better agent network and incentives may help too. Read …

Small merchants big opportunity: The forgotten path to financial inclusion

This report identifies critical gaps and opportunities for the cashless economies to increase financial inclusion for MSMs aand provides some interseting insights from successful cases from sevral countries including Indonesia, Peru and Nigeria.

Beyond Cash: Incentivizing Merchant Acceptance in India

The report attempts to understand, for India, the factors that drive awareness and interest among current non-users of digital payments, analyze the experience of existing users and identify potential strategies to spur the adoption of digital payments among these consumers and merchants

Mobile payments: How digital finance is transforming agriculture

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.

National Payments Corporation of India and the remaking of payments in India

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.

Mobile Money and the importance of timely, complete payments to frontline health campaign workers in the fight to eradicate polio: pilot experience from a WHO digital payment platform in Africa

Ethiopia Digital Payments Strategy: Digital Ethiopia 2025

A digital strategy for Ethiopia inclusive prosperity

Guide to the Use of Digital Financial Services in Agriculture

This Guidebook provides an easy-to-use tool to understand how digital finance is helping addressing some of the challenges faced by smallholder farmers and includes some interesting use cases from Bangladesh, Malawi, Zimbabwe and Nigeria.

Digital payments 2020: The making of a $500 billion ecosystem in India

The report makes recommendations for government in india to shape policy that simplifies KYC requirements, making digital payment transactions more user friendly.

How to create modern G2P payment systems

New CGAP focus note explores the core idea behind future-ready G2P payments, lays out its advantages and challenges, and describes how governments can create modern G2P payments systems. It draws heavily from ongoing efforts in Bangladesh, India, Kenya, Tanzania and Zambia.

Liberian Teacher ePayments: Stepping Stones to Inclusion

This blog, focussing on case of Liberia, discusses how digital payments are improving government service delivery and leading to higher take-home pay and improved transparency.

Do Mothers Prefer Digital Payments over Cash?

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…

Accelerating Financial Inclusion in South-East Asia with Digital Finance

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.

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.

Report of the High-level committee on deepening of digital payments

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.

Impact of demonetization on diffusion of mobile payment service in India: Antecedents of behavioral intention and adoption using extended UTAUT model

The paper shows that behavioral intention, demonetization and facilitating conditions have a positive impact on the adoption of mobile payment services in India.