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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The paper presents use cases for digital financial services (DFS) along value chains across three broad categories- overcoming barriers to providing financial services, improving the efficiency of financial transactions, and improving market opportunities.
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
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 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.
This paper explores economic informality and how it relates to digital financial inclusion. It focuses specifically on the potential role that digital financial services–including those accessed through mobile phones and the internet can play in encouraging businesses to formalize their operations.
Water providers are shifting to digital payments to reduce expenses and streamline delivery. In this report, CGAP and GSMA share lessons learned from 25 organizations, including the challeng…
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 paper covers in-depth analyses of how digitizing P2G payments help drive the financial inclusion of poor consumers and identifies some critical factors to develop an efficient and inclusive payment system.
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.
This paper analyzes how existing Digital Financial Services initiatives can better align to support humanitarian response, and uses a framework for comprehensively considering e-payment preparedness. Central African Republic, Pakistan, Nigeria, the Philippines, Somalia, and Yemen have been evaluated as per the framework.
The State of Maryland needed a faster, more reliable and more cost effective way of making unemployment benefit payments to citizens who depended on them.
The State’s original process was…
The toolkit provides a comprehensive view of scale and nature of Mobile money opportunities; strategic considerations around interoperability and enabling third parties; further providing some insights and best practices around the same.
Distributing benefits, such as child support, unemployment and disability assistance, has been transformed by the use of prepaid cards. Instead of mailing paper checks, 40 states now use Vis…
This Microsave report examines initial market perceptions to M-Shwari, a mobile banking service that allows M-PESA customers to borrow money and apply for emergency loans directly through th…
The report finds that infrastructure is one of the most critical parts of delivering electronic payments and also remains woefully lacking. At present about 43 percent of all consumer payments are made with cash.
This CGAP Focus Note presents the evidence gained from a comprehensive study of the experiences in developing and implementing e-payment schemes linked to financial inclusion in four lower-i…
[SWIFT Institute researchers found](http://www.swiftinstitute.org/wp-content/uploads/2014/11/SWIFT-Institute-Working-Paper-No-2014-005-Cross-border-LVP-Regional-Integration-Lipis_v4-FINAL.pd…
A study has found that Kenyan farmers who use mobile money have 35% higher profits per acre of banana production than non-users. Mobile money also increased household income by 40% and contr…
The report provides key findings from the mobile money workshops conducted by Electronic Cash Transfer Learning Action Network (ELAN) in January 2016- one in Dakar (Senegal) and other one in Gisenyi (Rwanda).
The paper suggests a pragmatic approach for Bangladesh to financially include the underserved through Digital financial services (DFS) by promoting interoperability.