National implementation

Household finance and economic development

This chapter provides an overview of financial inclusion around the world and discusses the empirical evidence on how the use of formal financial services significantly contribute to inclusive growth and economic development.

Disrupting Development with Digital Technologies

Finclusion to Fintech: Fintech Product Development for Low-Income Markets

The paper presents detailed insights from 15 years of financial inclusion research to highlight the importance of fintech, including proposing product development ideas for Fintech players, to better serve developing world market.

World Development Report 2016: Access to the Internet inadequate

USAID has commissioned this study to understand the perceptions towards digital payments among consumers and merchants in low-income communities. The research provides key findings from quantitative surveys carried out in Indian cities- Mumbai, Hyderabad, Kota, Vishakhapatnam, Guntur and Jaunpur,

Fostering digital payments and fintech development 

This ADBI working paper discusses measures to foster digital financial innovation in Indonesia.

Balancing financial inclusion and data protection in South Africa: Black Sash Trust v Minister of Social Development

The participation of many underprivileged social clusters in the financial services sector has invariably been problematic in South Africa. This may be attributed to the country’s laws and p…

UNCDF 2020 Annual Report

‘Harnessing the true power of capital: Unlocking the growth potential of the last mile’, details recent achievements and future challenges in accelerating SDG achievement in LDCs.

MIT Press Journal The end of financial marginalization is in sight: Here's the roadmap

The End of Financial Marginalization Is in Sight: Here’s the Roadmap

Decade Edition of the State of the Industry Report on Mobile Money

The report charts the story of mobile money covering a decade of progress, industry lessons,impact and the future of the industry.

Barriers to transforming government in Jamaica: challenges to implementing initiatives to enhance the efficiency, effectiveness and service delivery of government through ICTs (e-Government)

It can be argued from the data analyzed that the factors which undermine the use of ICTs to improve government efficiency, effectiveness and public service delivery in Jamaica include: techn…

Next Steps for the Digital Revolution in Africa: Inclusive Growth and Job Creation Lessons from Kenya

This paper provides examples of how digitization in Kenya has supported the economy via a retail electronic payments system, financial inclusion, increased financial sector vibrancy, and pushed GDP growth with it.

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.

Digital Finance for All: Powering Inclusive Growth in Emerging Economies (McKinsey)

In this report, McKinsey takes a comprehensive approach to quantifying the economic and social imact of digital finance in emerging economies.

Fintech for promoting financial inclusion in Vietnam: fact findings and policy implications

This paper analyzes the legal framework and actual operations of fintech in Vietnam, assesses the opportunities and challenges and proposes recommendations for better application of fintech for promoting financial inclusion.

A Case Study on Monetary Fraud in a Cashless Economy

A case study on three countries Sweden, United States and India is conducted to survey variations in costs for cash and card instruments in economies that have varying extents of cash in cir…

Mobile money

This review provides an overview of the operations and impacts of mobile money in the developing world and discussing what the future of mobile money in developing economies may look like.

Is mobile payment still relevant in the fintech era?

This study analyzes whether mobile payments are still relevant for the fintech industry by comparing three mobile payment projects – Oi Paggo in Brazil, TCASH in Indonesia, and M-PESA in Kenya.

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.

The Global Findex Database 2017

The Global Findex database is the world’s most comprehensive data set on how adults save, borrow, make payments, and manage risk.

Universal Financial Access Global Payment Systems Survey 2015

The Global Payment Systems Survey (GPSS) covers cross-country comparisons and assess progress in national payments system development. The latest iteration (2018) shows the number of cashless transactions per capita per year (globally) increased by 25% as compared to 2015.