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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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.
The paper presents use cases for digital financial services (DFS) along value chains across three broad categories- overcoming barriers to providing financial services, improving the efficiency of financial transactions, and improving market opportunities.
This document describes the background and functioning of the Bank issued contactless payment card.
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.
The paper proposes a new communication network, Speed PAy, that jointly connects the banks together and allows the customers to process all kind of transactions with the use of their cell phones and without the need for a new SIM.
A digital strategy for Ethiopia inclusive prosperity
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.
Focussing on women, and micro, small, and medium enterprises (MSMEs), the paper highlights that digital financial solutions could play a significant part in closing gaps in financial inclusion and povides insights from Indonesia, Philippines, Cambodia, and Myanmar.
Although cashless payment instruments have been available in Mexico for some time, their rate of adoption was not remarkably fast, until the last 15 years. This chapter seeks to document this phenomenon and discuss some hypotheses on why the adoption rate is still low.
Government of Bangladesh shifted to digital payments to transfer education stipends directly to mobile phone accounts of nearly 13 million mothers. In this report, CGDev takes stock of how t…
Using various global datasets, this study quantifies the effect of financial inclusion and digital payments on income and individual government tax revenues to be an additional $4.1 trillion in the world economy.
Unregistered SMEs account for 65% of Nigeria’s GDP. Most of them often struggle to demonstrate their personal and business credentials to service providers and customers. This GSMA research finds that there is a need for new approaches to identity and mobile-delivered ‘economic ID’ solution holds promise.
This paper analyzes how existing Digital Financial Services initiatives can better align to support humanitarian response, and uses a framework for comprehensively considering e-payment preparedness. Central African Republic, Pakistan, Nigeria, the Philippines, Somalia, and Yemen have been evaluated as per the framework.
This paper explores economic informality and how it relates to digital financial inclusion. It focuses specifically on the potential role that digital financial services–including those accessed through mobile phones and the internet can play in encouraging businesses to formalize their operations.
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,
The global economy is experiencing important technological shifts, with the rise of digital technology a key driver. This can be seen today in the rapid growth of the digital economy, broadl…
With 180 million unbanked people, Indonesia is one of the most valuable untapped digital payments markets in the Asia Pacific region. According to a Think with Google paper, women aged 25-34 will be the key to enabling adoption in the country.
Through an interpretive case study of the Benazir Income Support Programme (BISP) in Pakistan, this paper critically examines mobile banking usage by women beneficiaries and technology’s effects on the institutional properties of their households.
The use of digital cards for government safety net transfers enhanced women’s decision-making power in the household and led to a 92% increase in women’s likelihood of participating in the l…
Ethiopia has a sole mobile network provider and a banking sector that is closed to foreign ownership. Does that make it easy for the government to take a rural-first approach to digitization? Learn about it more in this USAIDFeed The Future brief that also mentions the Alliance.