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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Provides a blueprint to help countries kickstart their journeys concerning the technology, governance, and community components of DPI, based on the common framework & insights from consulted countries.
This paper explores factors that have driven the adoption of digital payments in India by beneficiaries of PMGKY, the large-scale COVID-19 relief program.
Project Kirana is currently training 3,000 women shop owners and managers in the cities of Lucknow and Kanpur.
This study by Visa provides insights into the benefits of digital payments for micro and small businesses in India, Indonesia, Mexico and Nigeria.
In this report, the relationship between financial infrastructure and the performance of disbursement programs in their design ambition and how well they delivered is assessed.
This study finds that perceived value addition for the customers and usefulness of technology are important determinants of adoption of mobile wallet technology among merchants.
The paper shows that behavioral intention, demonetization and facilitating conditions have a positive impact on the adoption of mobile payment services in India.
New NBER paper finds that transferring money directly into women’s accounts and providing them financial training led to their increased participation in the labor force.
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.
New Harvard University paper looks at the impact of demonetization on the Indian economy. It finds that, in the near-term, the event led to “temporary reductions in employment, output, and credit.” But “there may be potential longer-term benefits” in several areas, including tax collection.
This study shows that per capita income, education, availability of digital infrastructure and greater internet penetration help in the growth of digital payments in an economy. For India, it suggests that the government should focus on providing a conducive macroeconomic environment and safe and easy access to digital infrastructure.
Columbia University paper finds that even when they are given the opportunity, many of India’s poor women opt out of actively engaging with the formal banking institutions. It finds that education is a significant determinant in shaping the financial decisions of India’s poor women.
This CGDev study sets out to understand the effectiveness of reforms taken by Andhra Pradesh to digitalize service delivery. It identifies access, accountability, choice, and voice as the four principles underlying the digital reforms there.
This Harvard Business School paper concludes that consumers who switch to digital payments maintain their purchase frequency but spend more and are less likely to return their purchases.
Low incomes, costs incurred in account ownership, distance from a bank, financial illiteracy and lack of relevant documentation explain low levels of financial inclusion in both India and Africa. In this brief, experts from the Overseas Development Institute discuss what both regions can learn from each other’s efforts to tackle these issues.
In a bid to promote adoption of FASTag, e-toll collection system, the Indian Government is planning to impose a double toll fee if non-FASTag vehicles enter the FASTag lane.
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.
With an aim to create a cash-lite economy, the Reserve Bank of India has published its “Payments System Vision 2021.” The document can be a useful resource for members like Ghana who are wor…
This Overseas Development Institute brief looks at a decade of Aadhaar program in India and draws lessons that can contribute to global conversations on digital identity.
Indian economy is operating at an estimated $33 billion less cash than it would have without demonetization. Income tax buoyancy is at a decade high of 2.20. This Harvard Business Review art…