Digital divide

Digital Progress and Trends Report 2023

This report analyzes data from diverse sources to present a picture of digitalization in low- and middle-income countries. It includes a chapter on Digital Public infrastructure, including digital payments

Digital Financial Inclusion in Practice: Caribbean Brief

This document analyzes the enhancement of social protection systems in the Caribbean through inclusive digital payments, focusing on user-centered design and extensive consultations with local populations.

Digital public infrastructure and public value: What is ‘public’ about DPI?

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.

The evaluation of UNDP support to digitalization of public services

The report highlights UNDP’s role as a leading organization in enhancing digital public infrastructure and driving the digital agenda at the country level, especially during the COVID-19 pandemic.

Accelerating The SDGs Through Digital Public Infrastructure: A Compendium of The Potential of Digital Public Infrastructure

A list of examples of how digital public infrastructure (DPI) can accelerate the progress of the Sustainable Development Goals.

Strengthening Digital Financial Inclusion in Government-to-Person Payments to Women: Lessons for Emerging Economies

This brief reviews the use of digital technology in G2P payments to women in India.

An Introduction to Digital Tax Payment Systems in Low- and Middle-Income Countries

The paper provides an overview of digital payment systems’ types, benefits, and challenges for tax collection in low- and middle-income countries (LMICs).

Guide to Data Sources For Financial Inclusion Research

This report introduces five global databases covering account ownership, payments, digital adoption, trust, and the digital gender gap. It suggests data gaps and indicators helpful in fostering evidence-based policymaking.

Instant Payments and Merchants— Pricing Policy Considerations

The paper explains the changes in pricing policy for instant payments compared to traditional card schemes and assesses their impact on market development.

Monetary Policy Implications of Central Bank Digital Currencies: Perspectives on Jurisdictions with Conventional and Islamic Banking Systems

Monetary policy implications of CBDCs in diverse banking systems.

Women’s Financial Inclusion, Digital Financial Services, and COVID-19 Policy Response: Case of Paraguay

Report on Paraguay’s COVID-19 policy response, digital financial services, and women’s financial inclusion.

Building Digital Finance Solutions for Women E-Commerce Entrepreneurs: A Demand-Side Exploration in Indonesia

Recommendations for better implementation of digital and financial programs, products, and services for women.

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

Jordan: Retail Central Bank Digital Currency Exploration

The International Monetary Fund (IMF) analyzed the retail payments markets of Jordan to identify pain points that retail Central Bank Digital Currency (rCBDC) could address.

Promoting responsible digital wage payments

This ILO brief gives an overview of the different considerations to maximize the potential of digital wage payments.

Strategies and Initiatives on Digital Financial Inclusion: Lessons from Experiences of APEC Economies

Robust digital infrastructure, including internet connectivity and identification, encourages digital financial transactions.

Analysing faster payment systems (FPS)

This report looks at various faster payment systems (FPS) in the world and analyze the speeds at which payments are processed and settled.

Digital payments make gains but cash remains

While the digitalization of payments is a global trend, payment habits still differ across countries. Interoperability of payment systems within and between countries is key to ensuring that payments can be made seamlessly.

CBDC: Expanding Financial Inclusion or Deepening the Divide?

A resource on how to design a digital currency that expands financial inclusion and operates in the public interest rather than one that exacerbates or even creates a new digital divide for currency.

Sustaining digital payments growth: Winning models in emerging markets

An article by McKinsey that explores which digital payments models are best placed to gain momentum in emerging markets and what innovations may lie on the horizon.