Digital Payment Ecosystems

What links exist in a country’s digital payments chain, and how they connect to each other, can enhance or undermine the usefulness of the technology in the daily lives of average people.

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UN Principles for Responsible Digital Payments: Building Trust, Mitigating Risks & Driving Inclusive Economies

This Better Than Cash Alliance report details principles for building responsible digital payment systems. An update to BTCA’s 2016 publication, the report emphasizes the importance of consumer trust driven by reliability, interoperability between services, and conscious efforts to include marginalized communities, particularly women.

Monitoring Digital Financial Payments of Cash Transfers in the Philippines

Digital Technology to Scale Up COVID-19 Social Assistance: What Have We Learned?

Delivering on the potential of digitized G2P: Driving women’s financial inclusion and empowerment through Indonesia’s Program Keluarga Harapan (PKH)

Is COVID-19 Pakistan’s Black Swan Event for Digital Payments?

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Digital Cash Transfers in LAO PDR

  • Sara Pavanello

The use of cash as a modality for delivering humanitarian and social protection assistance in Lao PDR is nascent. Up until recently, cash in hand has been the only feasible way to deliver transfers to targeted recipients. This scoping exercise highlights how mobile money could redress some of the drawbacks linked to cash in hand for both cash actors and beneficiaries. These include: access constraints, lack of traceability, and the...

Catalyzing Action on Digital Payments: Insights from National Transformation Journeys

  • Better Than Cash Alliance

The Better Than Cash Alliance offers technical assistance to government members to make the shift from cash to digital – by helping to conduct diagnostic studies and advising on national strategies to help to benchmark and map the priorities. This two-part blog, discusses the factors that support the implementation of a comprehensive digitization agenda and how to build sustainable systems and structures to implement priorities while adapting to rapid growth....

Gender and Safety Nets – Priorities for Building Back Better

  • Alessandra Heinemann, Kathleen Beegle

This note published by the World Bank presents four priorities to build stronger safety nets that help address gender inequality. 1) Maintain and extend coverage among vulnerable groups, prioritizing women and taking the specific needs of women into account. 2) Invest in adaptive delivery systems that recognize women and girls’ specific vulnerabilities. 3) Leverage digital technologies to reach and empower women in safety net programs. 4) Invest in cash plus...

Comparative Analysis of the Efficiency of Different Social Protection Delivery Mechanisms in the Context of Climate Resilience

  • Ritu Bharadwaj, Devanshu Chakravarti, N Karthikeya, Daljeet Kaur

This paper attempts to analyze the efficiency and effectiveness of the various social protection delivery mechanisms with reference to climate resilience, and also examines the sufficiency of social protection finance in meeting climate resilience and sustainable development outcomes. In doing so, the paper discusses India’s JAM trinity in the context of a potential universal basic income.

Stress Testing Social Protection: A Rapid Appraisal of the Adaptability of Social Protection Systems and their Readiness to Scale Up

  • Brian Webster

Adaptive social protection (ASP) is a focus area within the larger social protection sector, which has emerged in response to the need to build resilience of the poor and vulnerable to covariate shocks, such as natural disasters, economic crises, pandemics, conflicts, and forced displacement. This paper details a stress test tool for assessing the adaptiveness social protection systems, incorporating digital payment and data systems as factors.

Digitising Social Protection Payments: Progress and Prospects for Financial Inclusion

  • Gianluca Iazzolino

This working paper seeks to provide an overview of dominant perspectives, policies and operational and regulatory approaches that are shaping existing initiatives to digitise social protection programmes across the Global South. It focuses on Government–to–person (G2P) transfers and reviews both grey and academic literature and addresses two specific questions: To what extent do the transformations brought about by the digitisation of G2P programmes contribute to facilitating poor and vulnerable people’s...


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