Retail payments

The Future of Supply Chains: Why Companies are Digitizing Payments

New report underscores benefits of shifting from cash to digital payments in corporate supply chains.

Increasing supply chain transparency through digital payments

Gap Inc. has helped improve factory performance and promoted worker well-being by digitizing salaries for factory workers in India.

Digitizing Payments in Ghana’s Cocoa Supply Chain

The purpose of this report is to share key lessons and tools that are critical to launching and scaling successful responsible digital payments initiatives in Ghana’s cocoa value chain.

LEARNING SERIES >> Working together to prioritize merchant payment digitization and co-create solutions

Scaling digitization of payments for small and micro merchants by convening key stakeholders to co-create solutions.

Mapping the Merchant's Mind: An Analysis of Digital Payment Behaviors by Fixed Store Merchants in Jaipur

A year and a half post demonetization, only about 5% of India’s ~60 million MSMEs own digital acceptance devices. This report provides a deeper context and recommendations on small business profiles, infrastructure, needs, behaviors, and perceptions.

Responsible Payment Digitization in the Coffee Value Chain

The Pocket Guide to Responsible Payment Digitization in the Coffee Value Chain will inform stakeholders on opportunities and tools available for payment digitization.

Distributing Production: Can Distributed Ledgers Fuel a New Wave of Supply-Chain Innovation?

Blockchain Series: Blog 5

Strengthening Mexico’s small merchants through digital payments

Grupo Bimbo identified digitization as a key element to help merchants remain competitive against modern retail stories in Mexico….

IWCA Endorses Responsible Digital Payments to Accelerate Women's Economic Participation in Coffee Value Chain

The IWCA endorses UN Responsible Digital Payments as a game-changer for women at every step of the coffee supply chain.

LEARNING SERIES >> What will it take for small merchants to embrace digital payments?

Small merchants exert a big influence on the global economy.

Digitizing Merchant Payments: What Will It Take?

The presentation provides ideas for digital payments to replace cash as the most used mode of retail merchants worldwide.

Digitizing merchant payments in Bangladesh

Better placement of marketing materials can help boost usage of digital payments in small merchants. What are some other ways to drive usage? Read this IFC report that is based on feedback and learnings from early adopters of bKash in Bangladesh.

Merchant payments: VAS playbook

This playbook discusses the various potential Value Added Services that could increase uptake of mobile retail payments in Tanzania and similar emerging markets.

This is the main barrier stopping female merchants from using digital payments

LEARNING SERIES >> How to unlock the big opportunity in small merchant payments digitization

Lessons from our work with members in Ghana, India, Mexico, and the Philippines

Blockchain and supply chain management integration: a systematic review of the literature

“Purpose This paper aims to identify, analyse and organise the literature about blockchains in supply chain management (SCM) context (blockchain–SCM integration) and proposes an agenda for …

Understanding merchant payments landscape 

A new Karandaaz study shows that around 95% of merchants in Pakistan do not accept digital payments. To promote adoption, it calls for creating awareness among users, better infrastructure, interoperability and reliability of services.

What explains low adoption of digital payment technologies? Evidence from small-scale merchants in Jaipur, India

New research from India states that low adoption of digital payments among small retailers is not a result of supply-side barriers, such as affordability and availability. It is due to deman…

Cash usage behaviour and its implication for digital payments: A case of Ghana and Nigeria's smallholder cassava value chain

Education programs and awareness campaigns can help improve mobile money usage among smallholder cassava farmers in Nigeria and Ghana. Better agent network and incentives may help too. Read …

Realizing the Promise of Responsible Digital Payments for Merchants in Pakistan

The Better Than Cash Alliance, in support of its member, the Government of Pakistan, and the State Bank of Pakistan, presents Realizing the Promise of Responsible Digital Payments for Merchants in Pakistan. The report provides a series of recommendations aimed at supporting MSMEs and enabling their transition into the digital payments’ ecosystem.