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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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…
Conditional and unconditional cash transfers have been effective in improving development outcomes in a variety of contexts, yet the costs of these programs to program recipients and impleme…
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 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 …
The research examines the constraints to the uptake of these technologies in humanitarian programming, and has identified barriers to wider adoption of new technology that can be broadly gr…
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…
NBER Working Paper No. 19999 Issued in March 2014
We evaluate the impact of biometrically-authenticated payments infrastructure (“Smartcards”) on beneficiaries of employm…
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…
The London Borough of Lewisham is an inner-city district serving over 248,000 people.
When young people who have been placed in the Borough’s care leave it at the age of 18, they receiv…
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…
This CGAP research paper describes the key challenges Davivienda, a Colombian bank faced through the journey to delivery G2P payments over mobile: how the service delivery model had to be ad…
Buckinghamshire County Council discusses the case how they provided access to leisure and positive activities for children and young people through prepaid cards, reacheing over 80 percent within 15 months into the program.
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…
Hghlights how Citi Prepaid Services for IOM beneficiaries resulted in reduced costs, detailed payment reports, as well as greater control and transparency.
This paper suggests policymakers and other stakeholders should leverage trends toward financially-inclusive e-payments as a means to achieve multiple potential objectives for bringing financial inlcusion to adolescent girls.
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
This survey examines the evolution of mobile money, its important role in widening financial inclusion, and the impact of regulation on the development of mobile money systems.
Through an interpretive case study of the Benazir Income Support Programme (BISP) in Pakistan, the paper investigates how the adoption of mobile phones enabled and constrained poor women for receiving G2P payments and its impact on poor households.
The aim of the paper is to bridge the theoretical and methodological gap to evaluate how the social construction of m-banking enables and constrains poor women to access G2P payments in Pakistan.
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.