India

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Global Resources >> Industry Reports

Unlocking the Potential of Digital Public Infrastructure (DPI) in Latin America and the Caribbean (LAC) : A Region-specific Perspective

This report recommends best practices to unlock DPI’s full potential in the region.
© © 2024 International Bank for Reconstruction and Development
Global Resources >> Industry Reports

The DPI Approach: A Playbook

Provides a blueprint to help countries kickstart their journeys concerning the technology, governance, and community components of DPI, based on the common framework & insights from consulted countries.
© © UNDP 2023. All rights reserved.
Global Resources >> Industry Reports

"Can Digital G2P Transfers Drive Financial Inclusion and Digital Payments? Evidence from India"

This paper explores factors that have driven the adoption of digital payments in India by beneficiaries of PMGKY, the large-scale COVID-19 relief program.
© ©Center for Global Development
Global Resources >> Industry Reports

Empowering Women Entrepreneurs in India’s Largest Retail Sector: USAID and Mastercard Partner for Small Business Acceleration

Project Kirana is currently training 3,000 women shop owners and managers in the cities of Lucknow and Kanpur.
Global Resources >> Industry Reports

Visa: Understanding Obstacles Facing Small and Micro Business Owners

This study by Visa provides insights into the benefits of digital payments for micro and small businesses in India, Indonesia, Mexico and Nigeria.
© © Visa
Global Resources >> Industry Reports

COVID-19: Making the case for robust digital financial infrastructure

In this report, the relationship between financial infrastructure and the performance of disbursement programs in their design ambition and how well they delivered is assessed.
© © Shutterstock/ Yaw Niel
Global Resources >> Industry Reports

How to improve adoption among merchants

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. 
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Impact of demonetization on diffusion of mobile payment service in India: Antecedents of behavioral intention and adoption using extended UTAUT model

The paper shows that behavioral intention, demonetization and facilitating conditions have a positive impact on the adoption of mobile payment services in India.

Global Resources >> Industry Reports

How greater financial control impacts gender norms

New NBER paper finds that transferring money directly into women’s accounts and providing them financial training led to their increased participation in the labor force.

© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

How to create modern G2P payment systems

New CGAP focus note explores the core idea behind future-ready G2P payments, lays out its advantages and challenges, and describes how governments can create modern G2P payments systems. It draws heavily from ongoing efforts in Bangladesh, India, Kenya, Tanzania and Zambia.
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Near-term impact of India’s demonetization

New Harvard University paper looks at the impact of demonetization on the Indian economy. It finds that, in the near-term, the event led to “temporary reductions in employment, output, and credit.” But “there may be potential longer-term benefits” in several areas, including tax collection.
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Drivers of digital payments

This study shows that per capita income, education, availability of digital infrastructure and greater internet penetration help in the growth of digital payments in an economy. For India, it suggests that the government should focus on providing a conducive macroeconomic environment and safe and easy access to digital infrastructure.
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Role of education in financial inclusion of women 

Columbia University paper finds that even when they are given the opportunity, many of India’s poor women opt out of actively engaging with the formal banking institutions. It finds that education is a significant determinant in shaping the financial decisions of India’s poor women.
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

Using technology to improve agent models

This CGDev study sets out to understand the effectiveness of reforms taken by Andhra Pradesh to digitalize service delivery. It identifies access, accountability, choice, and voice as the four principles underlying the digital reforms there.

© © OMIDYAR NETWORK
Global Resources >> Industry Reports

The Effect of Payment Choices on Online Retail: Evidence from the 2016 Indian Demonetization

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.
© © Better Than Cash Alliance
Global Resources >> Industry Reports

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.
© ©Bill & Melinda Gates Foundation/Frederic Courbet
Global Resources >> Industry Reports

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.

Global Resources >> Industry Reports

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.
© © Better Than Cash Alliance
Global Resources >> Industry Reports

“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…
© © Better Than Cash Alliance
Global Resources >> Industry Reports

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.
© © Better Than Cash Alliance