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 presentation provides ideas for digital payments to replace cash as the most used mode of retail merchants worldwide.
This playbook discusses the various potential Value Added Services that could increase uptake of mobile retail payments in Tanzania and similar emerging markets.
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.
“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 …
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.
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 …
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…
The paper explains the changes in pricing policy for instant payments compared to traditional card schemes and assesses their impact on market development.
The report attempts to understand, for India, the factors that drive awareness and interest among current non-users of digital payments, analyze the experience of existing users and identify potential strategies to spur the adoption of digital payments among these consumers and merchants
This report identifies critical gaps and opportunities for the cashless economies to increase financial inclusion for MSMs aand provides some interseting insights from successful cases from sevral countries including Indonesia, Peru and Nigeria.
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.
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.
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.
This report identifies critical barriers to the expansion of electronic payment acceptance and effective ways to address the challenges of building the ecosystem for payment acceptance among SMBs.
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.
On creating loyalty programs for customers….
In Brazil, the trucking industry has relied on a paper-based “freight letter” system for paying truck drivers’ salaries. Aside from operational inefficiencies, this method subjected cargo co…