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Report

Building Inclusive Digital Payments Ecosystems: G20 Guidance Note for Governments

July 11, 2017

A report by the Better Than Cash Alliance for the G20 Global Partnership for Financial Inclusion

Case Study

Responsible Digital Payments Guidelines

July 8, 2017

The Better Than Cash Alliance 'Responsible Digital Payments Guidelines' identify eight good practices for engaging with clients who are sending or receiving digital payments and who have previously been financially excluded or underserved.

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Blog Post

In Kenya, better yields and inclusive agriculture start from your mobile wallet

By Communications Team, June 8, 2017

One of the most important tools on Everline Wakhungu’s farm is her mobile phone.

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Blog Post

Frequently Asked Questions about the Responsible Digital Payments Guidelines

By Communications Team, June 1, 2017

Below are the questions we often get asked about our Responsible Digital Payments Guidelines:

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Media Release

UN study: Digitization of Kenyan farmer payments helps tackle poverty

May 31, 2017

One Acre Fund cut payment losses and collection costs by over 80 percent, boosting farmers’ satisfaction and economic opportunity

Case Study

How Digitizing Agricultural Input Payments in Rural Kenya is Tackling Poverty: The Case of One Acre Fund

May 31, 2017

How Digitizing Agricultural Input Payments in Rural Kenya is Tackling Poverty. The case of One Acre Fund

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Blog Post

Interview with Maha Bahou, Central Bank of Jordan “Our strategy is national, not institutional”

By Communications Team, May 23, 2017

Ms. Maha Bahou is the Executive Manager for Payment Systems & Domestic Banking Operations and Financial Inclusion Department at the Central Bank of Jordan (CBJ).

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Media Release

UN report: Social network payments now reach nearly US $3 trillion in China

April 19, 2017

Payments on messaging and e-commerce platforms set to increase China’s GDP by $236 billion by 2025, unlocking new economic opportunities for people and small businesses

Case Study

Social Networks, e-Commerce Platforms, and the Growth of Digital Payment Ecosystems in China: What it Means for Other Countries

April 19, 2017

Social Networks, e-Commerce Platforms, and the Growth of Digital Payment Ecosystems in China: What it Means for Other Countries

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Blog Post

Exchanging notes on one of the biggest ‘digital’ conditional cash transfer programs

By Juan Blanco, April 13, 2017

Our Peer-Exchange to Brazil was part of the Alliance’s response to the knowledge needs of member countries

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Resource

The March Towards Digital Money: Bringing The Underbanked In From The Cold

April 7, 2017

The March Towards Digital Money: Bringing The Underbanked In From The Cold

Case Study

Digitizing Wage Payments in Bangladesh’s Garment Production Sector

March 8, 2017

Digitizing Wage Payments in Bangladesh’s Garment Production Sector

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Blog Post

Why Women Workers and Managers Prefer Electronic Wage Payments in Bangladesh

By Leora Klapper, March 8, 2017

Payday can be an ordeal for women garment workers in Bangladesh. Often, they must wait in long lines, carry wads of cash through crowded streets, or encounter a mother-in-law demanding money.

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Blog Post

How Digital Payments Are Connecting People With Opportunities To Improve Their Lives

By Communications Team, February 28, 2017

This blog post was originally published in the Huffington Post

Case Study

Country Diagnostic: Bangladesh

November 26, 2016

The Way Forward for Digitizing Payments

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Media Release

New United Nations Report Reveals Bangladesh’s Progress on Digital Finance As Key Leaders Meet to Discuss Future Steps

November 26, 2016

In-depth analysis shows Bangladesh making impressive strides towards a digital economy, identifies solutions for further progress

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Blog Post

As Development Aid Evolves, Digitizing Tax Payments Can Have Dramatic Benefits for Emerging Economies

By Ruth Goodwin-Groen, November 4, 2016

This blog post was originally published in the Huffington Post

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Media Release

New United Nations Study Shines Spotlight on Peru’s Progress on Digital Finance

October 13, 2016

As McKinsey Global Institute reveals a potential $3.7 trillion GDP boost in emerging economies, the report outlines how Peru can continue to advance its digital finance agenda

Case Study

Diagnóstico de País: Perú

October 13, 2016

Construyendo sobre bases sólidas: un camino para el avance de los pagos de gobierno a nivel subnacional en el Perú

Case Study

Country Diagnostic: Peru

October 13, 2016

Building from a Strong Foundation: A Path Forward for Digitizing Sub-national Government Payments in Peru

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Resource

Universal Financial Access Global Payment Systems Survey 2015

October 11, 2016

During the 2013 World Bank–International Monetary Fund Annual Meetings, the World Bank Group (WBG) President Dr. Jim Yong Kim announced that the WBG envisions that adults worldwide will have universal financial access (UFA) by 2020. That is, adults will be able to have access to a transaction account to store money, and make and receive payments as the basic building block to manage their financial lives.

Report

Accelerators to an Inclusive Digital Payments Ecosystem

September 21, 2016

Many governments have already realized major benefits by digitizing payments. Yet these successes also raise important questions. Why are so many developing and emerging countries only in the early stages of their journey to cashless? Why haven’t successes been rolled out more widely?

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Media Release

New United Nations Study Maps Top 10 Ways Governments and Companies Can Create Digital Economies

September 21, 2016

For the first time, new evidence from 25 countries shows how governments and companies can move away from cash, as McKinsey Global Institute reveals a potential $3.7 trillion GDP boost

Case Study

Person-to-Government Payments: Lessons from Tanzania’s Digitization Efforts

September 20, 2016

This case study explores the factors both supporting and impeding the widespread adoption of Person-to-Government (P2G) and Business-to-Government (B2G) payments in Tanzania, focusing on the period from 2012 to 2016.

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Resource

G20 High Level Principles for Digital Financial Inclusion

September 8, 2016

G20 High-Level Principles for Digital Financial Inclusion

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Blog Post

Responsible Digital Payments: Reducing the risks that come with new opportunities

By Beth Porter & Ros Grady, July 20, 2016

It’s all at our fingertips. The possibility to make a payment. The delight of receiving one. From Peru to Rwanda to India, people, governments and businesses are increasingly making their payment transactions digitally, whether by mobile phone, by card or online.

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Resource

Alliance featured in Anatalya outcome document

July 5, 2016

Better Than Cash Alliance featured in Anatalya Comprehensive High-level Midterm Review

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Resource

The risks of financial exclusion highlighted by G20 GPFI paper

July 5, 2016

A report by G20’s Global Partnership for Financial Inclusion (GPFI)

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Blog Post

India’s digital payments revolution

By Camilo Tellez-Merchan & Vivek Belgavi, June 30, 2016

The use of cash in Indian consumer payment culture poses a stiff challenge to the Government of India’s plan to transition to a “less-cash” society.

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Media Release

El camino de México hacia la inclusión financiera empieza con el compromiso de reducir el uso del efectivo

June 23, 2016

Una de las economías más grandes de América Latina mantiene el ritmo de crecimiento al unirse a la Alianza Better Than Cash de las Naciones Unidas para fomentar una economía de inclusión financiera

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Media Release

Mexico’s route to financial inclusion begins with commitment to reduce the use of cash

June 23, 2016

One of the largest economies in Latin America keeps growth momentum going by joining the United Nations’ Better Than Cash Alliance to foster a financially inclusive economy

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Story

Afghanistan: Moving police salary payments to mobile accounts

By Communications Team, June 2, 2016

Guest Post By the Treasury General Directorate, Ministry of Finance, Government of Afghanistan

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Blog Post

The importance of partnerships in humanitarian response

By Momodu Kargbo, May 26, 2016

Crises of all sorts, from conflicts to natural disasters to health emergencies, are happening at unprecedented rates around the world — so much so that the United Nations convened the first World Humanitarian Summit this week.

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Resource

Quality of service more important than cost for humanitarian workers

May 25, 2016

A report by Electronic Cash Transfer Learning Action Network (ELAN)

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Resource

IRC: Financial transfers an essential part of humanitarian response

May 25, 2016

A report by International Rescue Committee's (IRC)

Case Study

Saving Money, Saving Lives: A Case Study on the Benefits of Digitizing Payments to Ebola Response Workers in Sierra Leone

May 18, 2016

At the height of the Ebola crisis, Sierra Leone turned to mobile wallets to make fast, accurate, and secure payments to Response Workers. Before digitization, cash payments were slow, inaccurate, and open to graft and theft.

Case Study

Building a Gateway to Digital Payments in Afghanistan: The World Food Programme’s E-Voucher Initiative

May 17, 2016

In Afghanistan, the World Food Programme (WFP) turned to digital payments to deliver food aid and has experienced many benefits by transitioning to e-vouchers and mobile money.

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Media Release

New United Nations study finds digital payments to Ebola response workers saved lives and $10 million

May 17, 2016

By using digital payments to pay Ebola response workers, Sierra Leone massively cut payment times, avoiding large-scale strikes and ensuring a stable workforce to defeat Ebola. Sierra Leone’s experience shows the critical importance of preparing early for digital payments before crises hit.

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Media Release

Une nouvelle étude des Nations unies révèle que les paiements numériques versés aux équipes d'intervention contre Ebola ont permis de sauver des vies et d'économiser 10 millions de dollars

May 17, 2016

En utilisant les paiements numériques pour rémunérer les personnes employées dans la lutte contre Ebola, la Sierra Leone a énormément réduit les délais de paiement, évitant ainsi des grèves à grande échelle et garantissant une main d’œuvre stable pour éliminer Ebola. L'expérience de la Sierra Leone montre qu'il est crucial de se préparer tôt aux paiements numériques avant l'émergence d'une crise.

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Resource

What does mobile money usage look like in Rwanda and Ghana?

May 2, 2016

Financial Inclusion Insights: Mobile Money Momentum in Four African Countries

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Blog Post

UNFPA joins the Better Than Cash Alliance to improve programme delivery

By Communications Team, April 29, 2016

Today, UNFPA, the United Nations Population Fund, joined The Better Than Cash Alliance, committing to boost the use of digital payments to improve programme delivery, by generating cost savings and increasing transparency and security.

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Media Release

Uruguay makes great strides toward the universalization of access to financial services

April 29, 2016

The government joins the United Nations-based alliance of governments, companies and international organizations that works to accelerate the move toward digitization of payments

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Media Release

Uruguay avanza firmemente hacia la universalización del acceso a servicios financieros

April 29, 2016

El Gobierno se suma a la alianza que, con base en las Naciones Unidas, reúne a gobiernos, empresas y organizaciones internacionales dedicadas a acelerar la digitalización de pagos

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Webinar

Modelo Perú Webinar

By Communications Team, April 19, 2016

The Better Than Cash Alliance recently held a live webinar with key players behind the launch of Peru’s new mobile wallet. "Bim" is the first product of Modelo Perú, which plans to bring digital payments to five million Peruvians over the next five years.

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Video

Modelo Perú Webinar

April 19, 2016

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Resource

Perspectives on Accelerating Global Payment Acceptance

April 19, 2016

How to accelerate global payment acceptance

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Resource

Basel standard setter: improving payments infrastructure accelerates financial inclusion

April 5, 2016

Payment Aspects of Financial Inclusion (PAFI)

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Blog Post

In the hands of women: A reflection on the gender gap in financial inclusion

By Beth Porter, March 8, 2016

Did you ever wonder why there is not an International Men’s Day? There actually is such a day, by the way—it’s on November 19th, but there aren’t too many people marking it with a night off from cooking or cleaning or childcare for the guys!

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Blog Post

Mobile money promotes messages of peace in Cote d’Ivoire

By Nicole Kresse, March 2, 2016

Many Ivoirians were concerned that the 2015 presidential elections would lead to renewed conflict, particularly after the violence surrounding the elections of 2010.

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Resource

The Impact of Electronic Payments on Economic Growth (2016)

February 29, 2016

Greater worldwide card use raises a number of questions. Foremost, do electronic payments bring macroeconomic benefits?

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Resource

Beyond Cash: Incentivizing Merchant Acceptance in India

January 25, 2016

India has made remarkable progress towards financial inclusion, but the use of digital payments remains limited

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Media Release

El Banco Interamericano de Desarrollo será el primer banco regional de desarrollo en unirse a una alianza que promueve pagos digitales

January 25, 2016

La organización se une a una alianza organizada por la Naciones Unidas para unir gobiernos, empresas y organizaciones internacionales en el esfuerzo para avanzar pagos digitales

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Media Release

Inter-American Development Bank becomes first regional development bank to join partnership to advance digital payments

January 25, 2016

The organization joins a UN-hosted alliance of governments, companies and international organizations to accelerate the move towards digitization of payments

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Resource

Grameen Foundation finds mobile payments improve resilience

December 31, 2015

Measuring The Impact Of Microfinance: Looking To The Future

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Blog Post

Ugandan farmers – majority women - devise new mobile solution

By Nicole Kresse, December 8, 2015

Farmers are adapting mobile technology to meet market needs and drive progress on their own terms rather than waiting for telecommunications companies to deliver solutions

Blog Post

Digital Financial Services Can Help Bring Millions of Women Into the Workforce

By Ruth Goodwin-Groen, November 24, 2015

by Leora Klapper and Ruth Goodwin-Groen

Report

Innovative Digital Payment Mechanisms Supporting Financial Inclusion Stocktaking Report

November 16, 2015

A report by the World Bank Group’s Payment System Development Group, the Better Than Cash Alliance, and the Alliance for Financial Inclusion for the G20 Global Partnership for Financial Inclusion

Report

Digital Financial Solutions to Advance Women’s Economic Participation

November 16, 2015

How governments, private sector and development organizations can bring more women into the global economy through digital financial services

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Resource

A market-building approach to financial inclusion

November 16, 2015

A Market-Building Approach to Financial Inclusion

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Resource

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

November 16, 2015

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

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Blog Post

Cashless Nigeria: Facilitating the Transition to Digital Payments

By Ruth Goodwin-Groen, November 12, 2015

The emergence of Nigeria as a regional economic powerhouse has presented a challenge for Nigerian policymakers: how to convert Nigeria’s growth at the macro level into greater financial inclusion, so that the rising economic tide can benefit more people.

Resource

Chilling effect of anti-money-laundering policies for poor countries

November 9, 2015

Unintended Consequences of Anti–Money Laundering Policies for Poor Countries

Report

An Inclusive Approach to Digital Payments Ecosystems: Accelerating the Transition from Cash Requires an Ecosystem Approach

November 5, 2015

The purpose of this working paper is to set out the key components and stakeholders in a digital payments ecosystem (DPE); to show how inclusive DPEs are vital in the transition from cash to digital payments; and to describe the key conditions for successfully building an inclusive DPE.

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Blog Post

Cashless Nigeria – Leading by example

By Camilo Tellez-Merchan , October 20, 2015

As Nigeria rolls out one of the developing world's most ambitious policy platforms to boost digital payments and drive greater financial inclusion, it's important to take stock of the country's progress to date, so that policy-makers around the world can learn from Nigeria's experiences.

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Resource

Visa Debit Opens Doors to India’s Unbanked

October 13, 2015

Visa Debit Opens Doors to India’s Unbanked

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Resource

Investing In Girls: Opportunities for Innovation in Girl-Centered Cash Transfers

October 13, 2015

Investing In Girls: Opportunities for Innovation in Girl-Centered Cash Transfers

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Resource

International Organization for Migration: relocation grants paid remotely worldwide with prepaid cards

October 13, 2015

International Organization for Migration: relocation grants paid remotely worldwide with prepaid cards

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Resource

State of Maryland: Significant savings and improved convenience with electronic payments

October 13, 2015

State of Maryland: Significant savings and improved convenience with electronic payments

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Resource

Buckinghamshire County Council: Prepaid card delivers social benefits for children and young people in care

October 13, 2015

Buckinghamshire County Council: Prepaid card delivers social benefits for children and young people in care

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Blog Post

Invitation: TED-Style Talks on New Practical Tools for Digital Financial Inclusion

By Communications Team, October 12, 2015

Presented by: The Better Than Cash Alliance In partnership with MicroSave and Net Hope

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Blog Post

Modelo Perú: A Unique Approach to Financial Inclusion

By Jeffrey Bower, October 9, 2015

By Jeffrey Bower, Digital Finance Specialist, Better Than Cash Alliance

Blog Post

Can India Post rise up to the digital payments and financial inclusion challenge?

By Nils Clotteau, October 8, 2015

On 19 August 2015, the Reserve Bank of India approved licenses for eleven institutions to set up payment banks. The purpose was to have these banks further financial inclusion by providing small savings accounts and payment / remittance services to, “migrant labour workforce, low income households, small businesses, other unorganised sector entities and other users.”

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Blog Post

Moldova pledges to digitize payments for all public services, joins Better Than Cash Alliance

By Communications Team, October 7, 2015

The Republic of Moldova has joined the UN-housed Better Than Cash Alliance to make digital payments for all public services a reality by 2020.

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Resource

Launching a new toolkit: Digitising payments for businesses, governments and NGOs

October 6, 2015

The toolkit is available on request to mobile operators via the GSMA website

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Blog Post

Watch: Inspirational speeches at UN Global Goals Summit

By Communications Team, September 30, 2015

The President of Tanzania, H.E. Jakaya Mrisho Kikwete, as well as Ministers and other high level figures from Peru, Belgium, Bangladesh, Colombia, the Philippines, Rwanda, Sierra Leone and South Africa, delivered powerful speeches on how digital payments and greater financial inclusion are accelerating progress towards key Sustainable Development Goals.

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Video

Digital Bangladesh: Service at Doorsteps

September 26, 2015

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Blog Post

UN Secretariat set to boost digital payments within UN system

By Communications Team, September 26, 2015

On behalf of the United Nations’ Secretary General Mr. Ban Ki-moon, Ms. Bettina Tucci Bartsiotas, UN Assistant Secretary-General and Controller, announced that the UN Secretariat had just joined the Better Than Cash Alliance, committing to transitioning payments from cash to digital within the UN system.

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Blog Post

Going the distance: How harnessing digital payments can help deliver on the SDGs

By Tidhar Wald, September 25, 2015

by Tidar Wald, Government and Corporate Relations Specialist at Better Than Cash Alliance

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Video

The Better Than Cash Alliance

September 24, 2015

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Media Release

Media Briefing - Making cash history

September 23, 2015

Making cash history: How digital payments can help achieve the Sustainable Development Goals

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Media Release

Pakistan Plans to Bring Millions More Citizens into the Economy by Digitizing Payments

September 22, 2015

Government of Pakistan joins the United Nations' Better Than Cash Alliance to create inclusive economic growth and a more efficient market structure

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Resource

World Bank finds electronic payments a key driver of financial inclusion

September 21, 2015

FINANCIAL INFRASTRUCTURE SERIES: Payment systems policy and research

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Resource

New Responsible Finance Forum Website

September 21, 2015

Responsible Finance Forum

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Resource

IMF Links Financial Inclusion and GDP Growth

September 21, 2015

GDP Growth Report

Resource

50 best Fintech Innovators in financial services

September 21, 2015

Financial Report

Resource

Their big bet for the future: Bill and Melinda Gates

September 21, 2015

2015 Gates Annual Letter

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Resource

How new technologies affect small businesses – recent research findings from DCED Research

September 21, 2015

DCED Research and Evidence Update

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Media Release

Leading global experts priotize key measures to optimize digital finance for world's poorest people

September 9, 2015

ANTALYA, Turkey - How are phones and cards changing the ways the global poor access and manage their money, and what should governments and financial institutions do to ensure innovative products and services meet the need of low-income customers? These and related topics were the subject of intense discussion and debate by leading global experts at a G20-backed event this week in Antalya, Turkey, one of the countries being transformed by digital innovation.

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Blog Post

Three ways financial providers can improve digital financial services for women

By Lisa Kienzle & Emilia Klimiuk, September 8, 2015

by Emilia Klimiuk and Lisa Kienzle of Grameen Foundation

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Media Release

India Anuncia Nueva Sociedad para Acelerar la Inclusión Financiera

September 1, 2015

El Gobierno de la India se une a la Alianza Better Than Cash de las Naciones Unidas para compartir los éxitos del programa de inclusión financiera más grande del mundo

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Media Release

India Announces New Partnership to Accelerate Financial Inclusion for Everyone

September 1, 2015

Government of India joins the United Nations’ Better Than Cash Alliance to share success stories from the world’s largest financial inclusion programme

Case Study

Country Diagnostic: Nigeria

August 27, 2015

Development Results Focused Research Program, Country Diagnostic: Nigeria

Case Study

Nigeria’s “Cashless” policy

August 27, 2015

The response of large corporates and their value chains to government policies to shift to digital payments: Nigeria’s “Cashless” policy

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Resource

10 Better Than Cash Alliance members featured in the Brookings Scorecard on digital financial inclusion

August 26, 2015

Kenya, a Better Than Cash Alliance Member, ranked first on the Brookings Scorecard on financial inclusion.

Resource

Disrupting Development with Digital Technologies

August 3, 2015

Brookings Blum Roundtable

Case Study

Country Diagnostic: The Philippines

July 15, 2015

Development Results Focused Research Program

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Blog Post

The Better Than Cash Journey: Kenya and Rwanda

By Communications Team, July 9, 2015

This is the third in a series of articles written by Maura Hart on the achievements of several Better Than Cash Alliance members. These highlights capture the innovative work by governments, businesses and development organizations to fulfill their commitment to transition from cash to digital payments.

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Blog Post

The Better Than Cash Journey: Colombia & Malawi

By Communications Team, July 9, 2015

This is the second in a series of articles written by Maura Hart on the achievements of several Better Than Cash Alliance members. These highlights capture the innovative work by governments, businesses and development organizations to fulfill their commitment to transition from cash to digital payments.

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Media Release

Grupo Bimbo joins the Better Than Cash Alliance to help small businesses in Mexico boost profits

July 7, 2015

Through Red Qiubo, Grupo Bimbo provides small businesses with the necessary technology to accept digital payments in their operations.

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Resource

DaviPlata: Taking Mobile G2P Payments to Scale in Colombia

July 1, 2015

Insights and Lessons from the payment of Familias en Accion through DaviPlata wallets in Colombia

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Blog Post

Closing the gender gap in mobile phone access and use

By Shireen Santosham, June 3, 2015

Guest post by Shireen Santosham, GSMA Connected Women

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Media Release

Making Digital Bangladesh Vision 2021 a reality, Government joins the Better Than Cash Alliance

June 2, 2015

Bangladesh commits to further national financial inclusion by accelerating the transition to digital payments

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Media Release

Sierra Leone commits to digital payments to encourage growth

June 2, 2015

In key move to recover from the economic impact of the Ebola crisis, Nation joins the Better Than Cash Alliance

Report

The Opportunities of Digitizing Payments

May 18, 2015

The Opportunities of Digitizing Payments

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Blog Post

Toward a cash-free world with the Global Findex

By Leora Klapper, May 4, 2015

Development Research Group When the Better Than Cash Alliance (BTCA) was formed almost three years ago, about half of the world’s adult population had some type of bank account. Last week the World Bank Development Research Group unveiled the 2014 Global Findex

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Blog Post

An infrastructure approach to improving Financial Inclusion

By Ryan Zagone & Danny Aranda, May 1, 2015

The Better Than Cash Alliance is introducing an occasional series on innovations that have the potential to reduce costs in digital payments. The first in this series is an article by Ryan Zagone and Danny Aranda from Ripple Labs, a technology company that develops real-time settlement solutions for financial institutions.

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Media Release

Malawi takes key step to advance digital payments and drive inclusive growth

April 30, 2015

Government, private sector, mobile operators and development organizations convene to establish a plan for the future

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Blog Post

A means to an end: The post-2015 future of financial inclusion

By Beth Porter, April 15, 2015

Financial inclusion is a means to an end – or many ends – rather than an end in itself.

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Blog Post

Massive drop in number of unbanked, says new World Bank Findex Report

By Communications Team, April 15, 2015

WASHINGTON, April 15, 2015 —Between 2011 and 2014, 700 million people became account holders at banks, other financial institutions, or mobile money service providers, and the number of “unbanked” individuals dropped 20 percent to 2 billion adults,according to 2014 Global Findex released today.

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Media Release

In line with strategy to mature into an emerging economy, Nepal joins the Better Than Cash Alliance

April 15, 2015

Government aims for economic growth and women’s empowerment through digital payments initiative

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Media Release

Papua New Guinea commits to digitizing all government payments

April 2, 2015

PNG’s Ministries of Finance and Treasury endorse Better Than Cash Alliance membership

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Blog Post

Going rural with digital financial services

By Karima Wardak, April 1, 2015

When a family member first told Mary that she could use her mobile phone to store her money, she felt that she had finally found a safe place to keep the earnings from her vegetable sales.

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Blog Post

Mercy Corps recognized for providing emergency e-transfers to 25,000 Typhoon survivors in the ‪‎Philippines‬ ‬‬‬‬‬

By Communications Team, March 31, 2015

Beneficiaries received electronic transfers via mobile savings accounts

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Blog Post

Digital payments can empower women

By Communications Team, March 11, 2015

Re-posted from the “Beyond the Transaction” Mastercard blog

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Blog Post

Two challenges to help two billion reach financial security

By Jake Kendall & Kosta Peric, March 11, 2015

Reposted from the original Gates Foundation blog on Impatient Optimists. Until recently, achieving financial inclusion for the world’s unbanked poor was a pressing goal with perplexing obstacles.

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Resource

Case Study: Shifting Food Assistance in Kenya to E-Payments

March 5, 2015

Cash for Assets: World Food Programme’s Exploration of the In-Kind to E-Payments Shift for Food Assistance in Kenya

Case Study

Country Diagnostic: Malawi

March 2, 2015

Development Results Focused Research Program

Resource

A toolkit for companies planning to reduce costs on cash payments

February 26, 2015

Payments Report

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Blog Post

Digitization of payments in Mexico saves billions

By Communications Team, February 24, 2015

The Mexican government is saving an estimated US$ 1.27 billion per year, or 3.3 percent of its total expenditure, on wages, pensions and social transfers. How? By digitizing and centralizing its payments.

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Resource

Elimination of blockages to financial inclusion drives economic growth

January 31, 2015

Identifying Constraints to Financial Inclusion and Their Impact on GDP and Inequality: A Structural Framework for Policy

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Blog Post

The IRC joins the Better Than Cash Alliance

By Rosa Akbari, January 28, 2015

The International Rescue Committee (IRC) is pleased to join the Better Than Cash Alliance, in support of our commitment to provide essential services within the first 72 hours of crisis.

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Media Release

Build on progress made in Colombia’s shift to electronic payments, says Better Than Cash study

January 27, 2015

Building an inclusive financial ecosystem is critical to accelerating the shift away from cash in Colombia and Latin America

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Resource

Federal Reserve strategies for improving the US payment system

January 26, 2015

The Federal Reserve believes that the U.S. payment system is at a critical juncture in its evolution.

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Blog Post

Event: Achieving an Ecosystem Approach to Digital Payments in Colombia

By Communications Team, January 26, 2015

On Tuesday, January 27th, the Better Than Cash Alliance along with the Departamento para la Proseridad and MINHACIENDA hosted an event in Bogota entitled “Achieving an Ecosystem Approach to Digital Payments in Colombia” bringing together representatives of the government, corporate and development sectors.

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Blog Post

Thousands of Ebola workers paid in Liberia

By Communications Team, January 20, 2015

Monrovia, LIBERIA - UNDP has helped the Liberian government pay thousands of Ebola workers. Over $1 million dollars in cash payments were distributed across the country in January alone.

Case Study

Country Diagnostic: Colombia

January 1, 2015

Development Results Focused Research Program

Case Study

Colombia’s Coffee Growers’ Smart ID Card: Successfully Reaching Rural Communities with Digital Payments

January 1, 2015

Successfully Reaching Rural Communities with Digital Payments

Case Study

Colombia’s Online E-Payments Platform: Private Sector Innovation Inspired by Government Vision

January 1, 2015

Private Sector Innovation Inspired by Government Vision

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Blog Post

Mobile money for 16,000 Ebola workers

By Communications Team, December 24, 2014

December 24 , 2014. Sierre Leone: Marion Sesay gossiped with her two work colleagues while they waited in the shade of a local money handler for their names to be called.

Blog Post

Shifting from cash in the midst of crisis: Electronic transfers in the Democratic Republic of Congo

By Communications Team, December 22, 2014

There is growing consensus in the humanitarian community that cash (digital or physical) – as opposed to delivery of food and materials – is often the best way to help communities bounce back from crisis.

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Blog Post

The Coca-Cola Company joins Better Than Cash Alliance to give more people access to electronic payments

By Communications Team, December 22, 2014

Better Than Cash Alliance welcomes The Coca-Cola Company as its member

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Blog Post

Senegal shifts to digital payments to promote economic growth

By Communications Team, December 21, 2014

The Government of Senegal has joined the Better Than Cash Alliance, signaling its commitment to growing the economy and improving security and transparency through the shift to electronic payment systems.

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Blog Post

The International Fund for Agricultural Development joins Better Than Cash Alliance to bring financial inclusion to rural communities

By Michael Hamp, December 18, 2014

The International Fund for Agricultural Development (IFAD) is pleased to accept an invitation to join the Better than Cash Alliance (BTCA) in our shared commitment to bringing financial access to rural communities through digital payments.

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Blog Post

UN Helping to Coordinate Payments to Thousands of Frontline Ebola Responders

By Communications Team, December 1, 2014

The Better Than Cash Alliance (BTCA) is supporting the United Nations Development Programme’s (UNDP) work with the authorities in Guinea, Liberia, and Sierra Leone to coordinate payments for thousands of treatment centre staff, lab technicians, contacts tracers and burial teams.

Media Release

Ghana joins Better Than Cash Alliance for greater financial transparency

December 1, 2014

Ghana joins Better Than Cash Alliance for greater financial transparency

Media Release

Le Ghana rejoint l’Alliance Better Than Cash pour une plus grande transparence financière

December 1, 2014

Le Ghana rejoint l’Alliance Better Than Cash pour une plus grande transparence financière

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In China, UN Special Advocate Queen Máxima Sees Great Potential for Digital Financial Inclusion

By Communications Team, November 30, 2014

At the invitation of the government of China, Her Majesty Queen Máxima of the Netherlands visited the country from 24 to 28 November in her capacity as the UN Secretary-General’s Special Advocate for Inclusive Finance for Development (UNSGSA).

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Measuring Digital Payments’ Significance: GSMA Reboots Kenyan M-PESA Data

By Communications Team, November 30, 2014

For stakeholders engaged in the shift from cash to electronic payments, there is an ever-present appetite for data on progress. Yet this creates an inherent risk as well. If the number is inaccurate or misrepresents the progress, it’s difficult to correct the record.

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Faster, cheaper and better regional payment integration

November 26, 2014

Cross-border Low Value Payments And Regional Integration: Enablers And Disablers

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A Progressive Approach to Financial

October 30, 2014

MasterCard Advisors

Media Release

Rwanda to accelerate digital payments by joining the Better Than Cash Alliance

October 30, 2014

Rwanda to accelerate digital payments by joining the Better Than Cash Alliance

Media Release

Le Rwanda accélère l’adoption des paiements numériques en rejoignant l’Alliance Better Than Cash

October 29, 2014

Le Rwanda accélère l’adoption des paiements numériques en rejoignant l’Alliance Better Than Cash

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Digitization Helps Small Merchants Keep Jobs and Profits in Mexico

By Alicia Rendon Contro, October 29, 2014

Guest post by Alicia Rendon Contro, Grupo Bimbo

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Authoritative guidance on “risk-based” banking

October 23, 2014

Rsk-Based Banking

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Tips for mobile money providers to build effective merchant payment networks

October 6, 2014

Merchant Payment Networks Report

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Every dollar spent on Syrian refugees generates $2.13 in local Lebanese markets

September 29, 2014

A new study by IRC analyzed the spending of 90,000 Syrian refugee families who received $100 ATM bankcards

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Towards a Stronger Digital Financial Ecosystem in Peru

By Communications Team, September 29, 2014

The Better Than Cash Alliance supports a unique initiative of the Peruvian Banker’s Association (ASBANC) that brings together banks and major telecom operators

Media Release

Forum Highlights Global Standards For Responsible Digital Finance

September 4, 2014

Forum Highlights Global Standards For Responsible Digital Finance

Media Release

World Bank Report: Digital payments vital to economic growth

August 27, 2014

Gates Foundation and Better Than Cash Alliance urge governments to embrace digital financial services, offers concrete action steps

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Paving the Way for Responsible Digital Finance

By Beth Porter, August 27, 2014

By Beth Porter, Policy Advisor, Financial Inclusion, UNCDF, Advisor, Better Than Cash Alliance

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Seeing the Benefits of Electronic Aid Delivery Up Close in Rwanda

By Communications Team, August 26, 2014

Earlier this year, we shared the story of the World Food Programme (WFP) introducing cash transfers on mobile phones at the Gihembe refugee camp in northern Rwanda.

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In Learning Exchange with Kenya, Nigerian and Malawian Banks Focus on Reaching Women With Cashless Solutions

By Allegra Palmer, August 25, 2014

Guest post by Allegra Palmer, Women’s World Banking

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IMF Fiscal Transparency Code aligns with BTCA goals

August 8, 2014

BTCA goals

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Cash Transfers Poised to Aid National Governments in Times of Crisis

July 31, 2014

Aid National Governments

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New Digital Business Model Opportunity for Remittances as Banks Close MTO Accounts?

By Communications Team, July 30, 2014

The World Bank expects people to send USD$581 billion in remittances in 2014, through a network of banks and money transfer operators (MTOs). This is an increase of 7.8% over 2013.

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Is Cash the Enemy of Financial Inclusion?

By Communications Team, June 30, 2014

The Better Than Cash Alliance, hosted by UNCDF, gathered with colleagues at the Consultative Group to Assist the Poor (CGAP) Council of Governors Annual Meeting last month in Urubamba, Peru. The event brought together over 30 international organizations dedicated to expanding global financial inclusion.

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London Borough of Lewisham: Care leavers receive allowance via prepaid card

June 1, 2014

Care leavers receive allowance via prepaid cards

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BTCA Becomes an Implementing Partner of the G20′s Global Partnership for Financial Inclusion

By Communications Team, May 3, 2014

A Q&A with Dr. Ruth Goodwin-Groen on the Better Than Cash Alliance’s Important New Role

Media Release

Women’s World Banking Joins the Better Than Cash Alliance

April 30, 2014

One Million Low-Income People to Reap Benefits of Digital Money

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Building State Capacity: Evidence from Biometric Smartcards in India

March 3, 2014

Article by Karthik Muralidharan, Paul Niehaus, Sandip Sukhtankar

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Davos Shines a Light on Financial Inclusion Via Electronic Payments

By Ryan Erenhouse, February 26, 2014

World Economic Forum recognises electronic payments as a driver for financial inclusion

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Ethiopia scales up mobile and other digital finance services

By Communications Team, February 26, 2014

Better Than Cash Alliance discusses digital financial strategy with government

Media Release

Catholic Relief Services Joins Better Than Cash Alliance

January 30, 2014

CRS Commits to Increase Electronic Payments to Strengthen Local Economies

Media Release

WSBI contributes its expertise to the Better Than Cash Alliance in shifting cash to electronic payments

January 28, 2014

In joining the Better Than Cash Alliance, the World Savings and Retail Banking Institute will work to increase the number of electronic transactions undertaken throughout its global membership as well as share research on the lessons learned

Media Release

Shift to Electronic Payments Saves Mexican Government US$1.27 Billion Annually

December 3, 2013

Study concludes Mexico’s savings and other benefits and provides tangible lessons for other nations

Case Study

Electronic Payments within a Limited Financial Infrastructure: Uganda’s Search for a Viable E-payments Solution to deliver Social Assistance Grants for Empowerment (SAGE)

December 2, 2013

Reaching nearly 100,000 of Uganda’s senior and vulnerable citizens, Social Assistance Grants for Empowerment (SAGE) has demonstrated the need for tenacity and flexibility as it works to create a transparent and efficient social protection system in a country with limited payment infrastructure that is prone to a lack of transparency and leakage.

Media Release

New Study Identifies How Much Mexican Government Saves Annually After Shift to Electronic Payments

November 29, 2013

Study concludes Mexico’s savings and other benefits and provides tangible lessons for other nations

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E-donate to help Typhoon Haiyan survivors

By Communications Team, November 29, 2013

Two months ago, Mr Paolo Baltao, President of G-Xchange, a subsidiary of Globe Telecom, one of the leading telecommunications services providers in the Philippines

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Leveraging Public-Private Partnership in the Philipines for Digital Financial Inclusion

By Communications Team, November 25, 2013

His Excellency Jose L. Cuisia Jr., Ambassador of the Republic of the Philippines to the United States of America, and Mr. Paolo Eugenio Baltao, President, G-Xchange (a subsidiary of Globe Telecom, one of the leading telecommunications services providers in the Philippines), discussed the merits of public-private partnerships to enhance access to financial services during an event on Partnerships for Digital Financial Inclusion – A Driver for Inclusive Growth co-hosted by the Better Than Cash Alliance, UNCDF and UNDP on September 24, 2013, during the 68th United Nations General Assembly Week. The following post is a summary of their discussion.

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WFP's new e-card reduces Syrian refugees suffering

By Communications Team, October 31, 2013

As part of its massive humanitarian response to the Syrian crisis, the United Nations World Food Programme (WFP) is rolling out an innovative electronic voucher programme in Lebanon that will allow hundreds of thousands of Syrian refugees to meet their food needs and help boost the local economy.

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Learning From Peers Speeds the Digitization Process

By Communications Team, September 30, 2013

Budget Under-Secretary Richard Bon Moya knew he was being ambitious. The goal was to shift all the financial transactions of the Filipino Government to a digital format—and to do it in five years. Most countries attempting such a feat had taken seven to 10 years. But there was one that had managed a quick, relatively seamless transition: Kenya.

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Digital Payments and Financial Inclusion Key to Poverty Alleviation and Economic Growth, say World Leaders

September 26, 2013

Digital Payments and Financial Inclusion Key to Poverty Alleviation and Economic Growth, say World Leaders

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Transforming Financial Systems for the Poor: Report Shows Digital Advances Can Unlock Cost Savings of 90 Percent

By Communications Team, September 18, 2013

In looking at ways to bring financial services to the more than two billion people outside formal financial systems, often the focus has been on piecemeal efforts to improve specific elements such as product design, pricing, delivery, banking regulation, or consumer protection.

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Debit cards provide flexibility to displaced families in Mali

By Communications Team, August 1, 2013

Eighteen-year-old Djélika Haïdara was pregnant when she fled her home in northern Mali to escape the violent aftermath of a military coup. She and her extended family were among more than 227,000 people displaced within Mali. Djélika and her baby now live in Bamako, the nation’s capital, in a rented apartment with 20 other family members.

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Share Your Thoughts: What Are “Responsible” Digital Payments?

By Communications Team, August 1, 2013

The Better Than Cash Alliance and UNCDF participated a meeting of the Responsible Finance Community of Practice (CoP) on June 25th 2013 in Berlin, Germany. Participants agreed that one key issue for the CoP to address in the future is what “responsible” means for new financial service businesses in emerging economies, including digital payments.

Media Release

Malawi Joins Better Than Cash Alliance

July 1, 2013

Malawi Announces Commitment to Transition to Electronic Payments

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As MEDA joins Better Than Cash Alliance, Reflections on progress to a “Cash-lite Zambia”

By Nicole Pasricha, June 20, 2013

While in Zambia last week, I was struck by the changes in the mobile money sector that have happened since my last trip in 2011, which admittedly is about 20 years ago in technology years. When MEDA first started our partnership that year with Zoona, a mobile transactions company, they were the new kid on the block in a market pretty unfamiliar with cashless payments. They were doing a fair number of transactions, but many of those were directed e-vouchers for subsidy recipients, and there was not a lot of competition for customers doing cashless transactions. Uptake was slow going, and it wasn’t yet clear: Would cashless payments ever take off in Zambia?

Media Release

MEDA Joins the Better Than Cash Alliance

June 20, 2013

Pledges to Improve Access to Finance and Markets for the Poor by Supporting Shift to Electronic Payments

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Digital Cash makes for sweet Cocoa

May 19, 2013

Digital Cash makes for sweet Cocoa

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Kenya’s Shift to Electronic Payments, an Example of Courageous Government

By Communications Team, May 17, 2013

Kenya is moving towards emerging market status and the government’s focused strategy of creating an electronic payments economy is contributing to its growth. During a reception hosted by the Better Than Cash Alliance at the World Bank / IMF Spring Meetings, Better Than Cash Alliance Managing Director Dr. Ruth Goodwin-Groen asked Kenya’s Dr. Geoffrey Mwau, Economic Secretary, Ministry of Finance how they did it and what advice he would give to other governments.

Media Release

Grameen Foundation Joins the Better Than Cash Alliance

March 26, 2013

Grameen Foundation Joins Better Than Cash Alliance; Pledges to Address Poverty by Shifting to Electronic Payments

Media Release

ACDI/VOCA Joins the Better Than Cash Alliance

March 5, 2013

ACDI/VOCA Joins the Better Than Cash Alliance — Pledges to Address Poverty and Grow the Economy by Shifting to Electronic Payments

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M-Shwari: Market Reactions and Potential Improvements

February 28, 2013

M-Shwari: Market Reactions and Potential Improvements

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The Impact of Electronic Payments on Economic Growth (2013)

February 21, 2013

Economic Growth Report

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The Global Movement of Electronic Payments at WEF

By Communications Team, January 23, 2013

At the World Economic Forum Annual Meeting in Davos, Switzerland, this morning, the Better Than Cash Alliance hosted a roundtable discussion with Juan Jiménez Mayor, Prime Minister, Republic of Peru; Dr. Mauricio Cárdenas, Minister of Finance, Republic of Colombia; and Florencio B. Abad, Secretary of Budget and Management, Republic of the Philippines.

Media Release

Government of Afghanistan Joins Better Than Cash Alliance

January 22, 2013

Government of Afghanistan Joins Better Than Cash Alliance — Pledges to Address Poverty and Grow Economy by Shifting to Electronic Payments

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Better Than Cash Alliance Perspectives: The Development Community

By Doug Sabo, October 4, 2012

Around the world, 2.5 billion people lack access to formal financial services.

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Citi Helps Launch Better Than Cash Alliance, Accelerating Transition to E-payments

By Bob Annibale, September 29, 2012

This week, Citi helped to launch the Better Than Cash Alliance, a coalition of public, private and NGO partners that will call on governments, the development community and the private sector to adopt the use of electronic payments for programs that support the underbanked — and provide resources to those who commit to make the transition.

Media Release

Ruth Goodwin-Groen Named as Managing Director

September 27, 2012

Alliance Accelerates Work to Transition from Cash to Electronic Payments Worldwide

Media Release

Editorial Mentions: Better Than Cash Alliance

September 27, 2012

Editorial Mentions: Better Than Cash Alliance

Media Release

Aquino Admin Says ‘Digitisation’ a Priority Goal

September 26, 2012

Aquino Admin Says ‘Digitisation’ a Priority Goal

Media Release

The Better Than Cash Alliance Is Out to Create a “Cash Lite” World

September 25, 2012

The Better Than Cash Alliance Is Out to Create a “Cash Lite” World

Media Release

Initiative Launched to Accelerate Global Shift to Electronic Payments for the Poor

September 20, 2012

Initiative Launched to Accelerate Global Shift to Electronic Payments for the Poor

Media Release

Leading Corporations, Foundations and Development Organizations Form ‘Better Than Cash Alliance’

September 20, 2012

Leading Corporations, Foundations and Development Organizations Form ‘Better Than Cash Alliance’

Blog Post

Visa Joins Global Leaders In New Partnership

By Doug Michelman, September 20, 2012

VISA JOINS GLOBAL LEADERS IN NEW PARTNERSHIP TO PROMOTE ELECTRONIC PAYMENTS AND IMPROVE LIVES By: Doug Michelman Today, Visa joins with six partners from government, the private sector and the international development community to launch the Better Than Cash Alliance. Working together with our other founding members – the United Nations Capital Development Fund, the U.S.

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Is Cash the Enemy of the Poor?

By Rodger Voorhies, September 19, 2012

In wealthy countries, most people conduct their financial activity in digital form; money and value is stored virtually and transferred instantaneously with a touch of a button, and the system provides an easy access to a wide-range of financial services. In contrast, most poor households operate almost entirely in the informal economy, using cash, physical assets (e.g. jewelry and livestock), or informal institutions to meet their financial needs.

Media Release

Digital initiative aimed at helping world’s poor

September 19, 2012

Digital initiative aimed at helping world’s poor

Media Release

Empowering People One Transaction at a Time

September 19, 2012

Empowering People One Transaction at a Time: Leading Corporations, Foundations and Development Organizations Form “Better Than Cash Alliance” to Accelerate Global Shift to Electronic Payments

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Empowering People One Transaction at a Time

By Communications Team, September 19, 2012

Empowering People One Transaction at a Time: Leading Corporations, Foundations and Development Organizations Form “Better Than Cash Alliance” to Accelerate Global Shift to Electronic Payments

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New Technologies in Cash Transfer Programming and Humanitarian Assistance

February 24, 2012

New Technologies in Cash Transfer Programming and Humanitarian Assistance

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The Solidaridad Visa Prepaid Card Brings Relief to Dominican Citizens in Need

February 1, 2012

The Solidaridad Visa Prepaid Card Brings Relief to Dominican Citizens in Need

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Plugging into Mobile Money Platforms: Early Experiences of NGOs in the Field

January 31, 2012

Plugging into Mobile Money Platforms: Early Experiences of NGOs in the Field

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Banking with mobile phones in Haiti: A report on a T-cash pilot program

January 29, 2012

Banking with mobile phones in Haiti: A report on a T-cash pilot program

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G2P: Expanding Financial Inclusion in the Pacific Report

December 12, 2011

A report by Pacific Financial Inclusion Programme (PFIP)

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Bansefi Visa Debit and Prepaid Cards Create “Oportunidades” for Mexico ’s Financially Underserved

December 7, 2011

Creating Opportunities for Mexico’s Underserved

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Zap It to Me: The Short-Term Impacts of a Mobile Cash Transfer Program

September 20, 2011

Report by Center for Global Development

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Building a Mobile Money Distribution Network in Papua New Guinea

March 12, 2011

A report by Pacific Financial Inclusion Programme (PFIP)

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Payment Systems Worldwide: a Snapshot

December 16, 2010

Financial Infrastructure Series: Payment Systems Policy And Research

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World Bank Presents Outcomes of the Global Payment Systems Survey 2010

February 1, 2010

A Report by World Bank

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Visa Streamlines Distribution of Child Support Payments in Nebraska

December 12, 2009

Visa Streamlines Distribution of Child Support Payments in Nebraska