Financial Inclusion

Achieving broad access to digital financial services is a necessary condition for an equitable digital G2P payments program and can open wider opportunities to beneficiaries.

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Country Studies

Primary Education Stipends in Bangladesh: Do Mothers Prefer Digital Payments over Cash?

How has this move from cash to digital affected beneficiaries of Bangladesh's primary education stipend? We conducted a field survey using both a quantitative questionnaire and qualitative assessments, with separate modules for school headmasters and mothers with children enrolled in the program. The objective of the survey was to understand the perception and experience of the disbursement of PESP through mobile financial services.

Digitising Social Protection Payments: Progress and Prospects for Financial Inclusion

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Government to Person Transfers: An On-Ramp to Financial Inclusion?

  • Guy Stuart

This report seeks to answer the question: Can G2P payments provide an on-ramp to financial inclusion? It does so by focusing on the confluence of three different movements to improve the economic well-being of low-income individuals and households in developing countries: financial inclusion; digital financial services; and government-to-person payments (G2P payments). Its findings suggest that currently there is little indication that G2P payments do result in increased financial inclusion through...

Advancing Women’s Digital Financial Inclusion

  • Brian Webster

Digital finance has expanded opportunities for millions of women across the globe, yet there remains much work to do to achieve gender equality in financial services. This report discusses policies for achieving equal financial inclusion, including the role of digital G2P.

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...

Evolution, Not Revolution: The New BTCA Report Reflects Continuity and Change in Thinking on Digital Payments Ecosystems

  • Brian Webster and Anit Mukherjee

The past few years have witnessed a dramatic increase in the use of digital payments worldwide. The percentage of global transactions conducted in cash fell from 89 percent in 2013 to 77 percent in 2019, and mobile wallets grew in popularity. The demands of social distancing brought on by the COVID-19 pandemic have only reinforced those trends. It has been projected that half of all people will use mobile wallets...

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

  • Better Than Cash Alliance

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.

Let Her Choose: Supercharging G2P for Women

  • Greg Chen, Maria May

The most valuable innovation is in G2P delivery systems that empower women to choose how to receive their cash.


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