The Better Than Cash Alliance is a partnership of governments, companies, and international organizations that accelerates the transition from cash to digital payments in order to help achieve the Sustainable Development Goals.
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This report applies a human-centered design approach that empathizes with and understands the lived experiences of Concern Burundi’s CVA recipients who are receiving mobile money-enable humanitarian aid.
This research offers evidence to help MNOs make informed decisions about engaging in partnerships with humanitarian organisations, and to help humanitarian actors better understand their MNO partners and build successful long-term partnerships.
This paper investigates the impact of mobile financial services - MFS (mobile money, and mobile credit and savings) on the informal sector using data from 101 emerging and developing countries over the period 2000-15.
Over the past five years, mobile money has gained traction in South Asia, which is experiencing an average annual growth rate of 46 percent in mobile money accounts—the highest across all regions. For more details check out IMF’s 2019 Financial Access Survey that was released last week
This paper explores economic informality and how it relates to digital financial inclusion. It focuses specifically on the potential role that digital financial services–including those accessed through mobile phones and the internet can play in encouraging businesses to formalize their operations.
This Brookings policy paper, by Prof. Njuguna Ndung'u, argues that instead of increasing the tax base, taxation on mobile phone transactions may end up reversing the adoption of digital payments in Kenya. It says these lessons are also relevant for other African countries considering similar taxes.
This paper aims at investigating the driving factors for mobile money adoption in the WAEMU region. It identifies literacy rate, mobile infrastructure, and banking infrastructure (ATMs\100,000 people) as the main macroeconomic determinants for adoption.
This IMF brief takes a first stab at tackling the questions surrounding the rise of new forms of digital money.
Does access to mobile money help improve livelihood in remote settings? This paper shows that rolling out mobile money agents in Northern Uganda led to cost-savings for remittance transactions. It also shows that access to digital payments doubled the nonfarm self-employment rate and reduced the fraction of households with very low food security.
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.
This report offers guidance for humanitarian practitioners considering mobile money enabled cash and voucher assistance (CVA) programmes
World Bank joined hands with IFC on a project for digitizing and modernizing Côte d’Ivoire’s social protection payments. Results show a reduction in administrative costs and better targeting of beneficiaries.
What four factors determine the digital money readiness of an economy? What measures can our member governments take to improve their ability to adopt digital payments widely? Read the lates…
Water providers are shifting to digital payments to reduce expenses and streamline delivery. In this report, CGAP and GSMA share lessons learned from 25 organizations, including the challeng…
This report reveals how the mobile gender gap is changing in low- and middle-income countries, as well as ranking the factors preventing equal mobile ownership and mobile internet use for me…
Education programs and awareness campaigns can help improve mobile money usage among smallholder cassava farmers in Nigeria and Ghana. Better agent network and incentives may help too. Read …
The paper examines the effects of mobile money as financial technology and service innovation on consumer demand, connecting the effects to the fast evolving mobile technologies (from 1G to 4G).
The article highlights that although health insurance coverage is still low in many countries in Sub-Saharan Africa, mobile money use have increased access to it.
This study investigates whether strengthening mobile money ecosystems around PNG’s resource regions can improve the distribution of compensation and benefits payments for local communities; Enhance social license for resources companies; and catalyze financial inclusion efforts.
This paper provides examples of how digitization in Kenya has supported the economy via a retail electronic payments system, financial inclusion, increased financial sector vibrancy, and pushed GDP growth with it.