Consumer protection standards for digital credit 

Similar to the RDPGs, this Smart Campaign publication identifies standards for responsible digital financial services, especially credit. It aims to guide the practices of both fintechs and traditional financial service providers undergoing digital transformation. 

Five recommendations for enhancing finclusion

A new World Bank economic analysis says Ghana can reach universal financial access across regions and key demographics using innovative technology.

Imparting financial literacy through tablets

Digital Payments Adoption and the Demand for Cash: New International Evidence

Cash remains in high demand despite measures by governments to keep funds digital. This Central Bank of Colombia study finds that economic growth and lower interest rates have a role to play.

Capturing Our Impact: Harnessing Innovation for Financial Inclusion

This World Bank e-book features stories, videos, and pictures that illustrate how digital innovation not only enables access to financial services for low-income people but also serves as an enabler for delivering clean water, solar energy, education, and more.

How policymakers can drive uptake of digital payments

New BCG publication discusses the foundational elements that raise the chances of a successful digital journey. Laying the foundations for a cashless economy, it says, should begin with an overarching national payments agenda driven by key stakeholders, including the government. 

Telecom vs. banking-led models of financial inclusion 

Low incomes, costs incurred in account ownership, distance from a bank, financial illiteracy and lack of relevant documentation explain low levels of financial inclusion in both India and Africa. In this brief, experts from the Overseas Development Institute discuss what both regions can learn from each other’s efforts to tackle these issues.

The state of ICT in Uganda 

This IDRC and SIDA-funded policy paper looks at the state of Information and Communications Technologies in Uganda. Apart from other policy recommendations, it calls for addressing the issue of affordability of devices and data and revisiting the issue of social media and mobile money taxes.

Government targets higher adoption of FASTag

In a bid to promote adoption of FASTag, e-toll collection system, the Indian Government is planning to impose a double toll fee if non-FASTag vehicles enter the FASTag lane.

Report of the High-level committee on deepening of digital payments

Nandan Nilekani-led high-level panel submitted its report on deepening digital payments in India. It calls for pivoting the ecosystem from issuance to acceptance and shares practical recommendations for doing that. The report refers to 6 Alliance publications.

“Payment and Settlement Systems in India: Vision 2019 – 2021

With an aim to create a cash-lite economy, the Reserve Bank of India has published its “Payments System Vision 2021.” The document can be a useful resource for members like Ghana who are wor…

Do Mothers Prefer Digital Payments over Cash?

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…

Lessons from implementing Aadhaar 

This Overseas Development Institute brief looks at a decade of Aadhaar program in India and draws lessons that can contribute to global conversations on digital identity.

Fintech and Financial Inclusion: Lessons Learned

CGAP worked with 18 fintech pilots across Africa and Asia. This set of case studies describes for each pilot the service that was piloted, the nature of its testing, and emerging lessons. Th…

Acceptability of e-Filing of Taxes by Micro-Entrepreneurs in Northwestern Nigeria

Nigeria’s micro-entrepreneurs will be willing to shift to e-filing of taxes if it: 1) enhances their ability to file taxes; 2) Is easy to use; 3) Is adopted by family and peers. Trust in technology was found to be an insignificant predictor.

The Ups and Downs of India’s Digital Transformation

Indian economy is operating at an estimated $33 billion less cash than it would have without demonetization. Income tax buoyancy is at a decade high of 2.20. This Harvard Business Review art…

Should graduation programmes replace the more conventional cash transfers? 

What comes after unconditional cash transfers? Does the inclusion of some form of graduation programs offer a more sustainable solution to poverty? Read this blog to learn more about the deb…

In South-East Asia, Grab and Gojek bring banking to the masses

Why should retailers shift to digital payments? An average digital payments user of Grab, a ride-hailing service, makes twice as many transactions than those who use cash and is 30% more lik…

Tech’s raid on the banks

Technology is shaking up the banking industry and The Economist is taking notice. This week's cover story discusses the potential risks and benefits of the “smartphone revolution in finance”…

National Payments Corporation of India and the remaking of payments in India

The paper examines the role NPCI played in transforming the way India manages financial transactions, as well as what lessons can be learned from India’s experience.