This toolkit is meant to help players in a country assess the best use of time & resources to implement accelerators

This toolkit is primarily for…


  • As a whole, the toolkit may be used by any player (public sector or private sector) who is deciding between different courses of action to promote digital payments.
  • Different accelerators are relevant to different players – for instance, the regulation accelerator is meant to be assessed by a regulatory body.
  • Accelerators may be prioritized in a subset of those that are most relevant to a player to determine the best use of time / resources to implement.


  • The toolkit is time-agnostic – it may be used no matter where a country is in its digital payments journey.
  • The toolkit can be used many times by a player to determine what is the best use of time / resources now to implement an accelerator.
    • For instance, upon first review of the toolkit, a player may choose to implement an accelerator in a way that is best suited to the market. Once time and resources are again available, the toolkit can again be reviewed to determine a next accelerator to implement.
  • Further, many accelerators are not a “one and done.” They may require iterations to implement in full.
    • For example, promoting merchant acceptance infrastructure will not result in 100% of merchants accepting digital payments at first implementation of the accelerator. Rather, the player can aim to get to a more realistic portion, and then come back to the accelerator at a later point.


  • The toolkit is not meant to replace the need for detailed review of a market through diagnostics.
  • It is a high-level guidance towards which accelerators, of the 10 identified, should be prioritized for further review before implementation.
  • When using the toolkit, a player can follow through the questions provided during discussions regarding what course of action to take next.
  • The toolkit is not prescriptive. It is a starting point of the questions a player should be asking him/herself while assessing options available. The toolkit can be thought of as a discussion guide.