Social protection wages

Increasing partner loyalty through digital payments

The National Dairy Development Board digitized its payments to dairy farmers – unlocking significant business and social benefits.

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.

Increasing factory worker well-being through digital payroll

Leading apparel companies have collaborated with each other on the BSR Herfinance program to improve worker well-being through payroll digitization.

Governments can use digital financial technologies to fight corruption

Financial technology business model as branchless banking for people in rural areas: Case study: Indonesia

This study designs business models for electronic payment services, utilizing the principle of branchless banking and reviewing relevant aspects of IT risk management, for rural area communities in Indonesia.

Finclusion to Fintech: Fintech Product Development for Low-Income Markets

The paper presents detailed insights from 15 years of financial inclusion research to highlight the importance of fintech, including proposing product development ideas for Fintech players, to better serve developing world market.

Bringing E-money to the Poor: Successes and Failures

This report examines the successful lessons from Kenya, South Africa, Sri Lanka, and Thailand case studies of “gazelles", that leapt from limitation to innovation by successfully enabling the deployment of e-money technology.

China Breakthroughs: Pay it forward on cashless society

China cashing out as mobile payment soars (The Business Times)

China cashing out as mobile payment soars (AFP)

Accelerating Financial Inclusion in South-East Asia with Digital Finance

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.

Alipay, WeChat Near $3 Trillion

UN Report: Social Network Payments Now Reach Nearly US$3 Trillion in China

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

This report examines two of China’s most far-reaching applications – WeChat and Alipay – and explores their role in the development of one of the world’s largest and most sophisticated digital payments ecosystems.

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

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…

Digitizing Wage Payments in Bangladesh’s Garment Production Sector

This report is the first of its kind to document key data points on the costs and benefits of wage digitization from a factory perspective.

Why Women Workers and Managers Prefer Electronic Wage Payments in Bangladesh

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…

Mobile payments and financial inclusion: Kenya, Brazil, and India as Case Studies

This paper considers the impact of the regulatory environment on mobile payments as a channel for delivering inclusive financial services using Kenya, Brazil and India as case studies.