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Blog Series

Customer Centricity in Digital Payments to the Poor

In this blog series, we examine where and how a customer-centricity lens can spur new ideas and solutions that unblock the financial inclusion gateway in digital payment systems for the poor and vulnerable around the world.

Women process rice, Bangladesh
Blog
12 December 2016

Accessible, Robust, Integrated: Identifying Good Payment Programs

An estimated 718 million recipients in developing economies are enrolled in cash transfer programs, more of which are going digital. This has not necessarily equaled greater financial inclusion. ISPA's Social Protection Payment Delivery Tool looks to make digital transfer programs more inclusive.
Man with lemons, India
Blog
26 September 2016

Digital Social Payments in India: Can the Challenges Be Overcome?

Envisioned as a digital revolution for government transfers, India's Direct Benefit Transfer program transfers government benefits into recipients' bank accounts. Three years in, the government continues to face challenges in digitizing transfers. Is there a way forward?
Woman holding child, India
Blog
24 August 2016

PMJDY: Commendable Growth, Yet Low-Hanging Barriers Persist

Two years ago, India launched a national financial inclusion program known as Pradhan Mantri Jan Dhan Yojana (PMJDY) which aims for at least one bank account for every household. Has there been any real impact of PMJDY on financial inclusion?
Boat breaks through a wave.
Blog
11 July 2016

5 Ways an Emergency Mobile Wallet Can Lead to Financial Inclusion

Cash as aid offers recipients choice and dignity. The digitization of cash transfers can minimize risks of using cash in crisis environments and provide access to financial services that could help the poorest cope with shocks in the future.
Man writes down a record of a financial transaction, Ghana.
Blog
10 June 2016

When Mandating Financial Access for the Poorest Fails

Digitization of government-to-person (G2P) payments should be a financial inclusion “quick win,” but negative experiences with digital social payment programs sometimes have the adverse effect of steering low-income customers away from formal financial services. This doesn't have to be the case.
Title of #innovate4humanity session at World Humanitarian Summit.
Blog
01 June 2016

Done Right, Digital Finance Could Transform Humanitarian Response

Recognizing the transformative role digital innovation can play in humanitarian response, CGAP, MasterCard and UNCDF co-hosted a high-level panel at the World Humanitarian Summit. How can digital finance work to build a bridge from response to resiliency?
dsp-blog
Blog
28 March 2016

5 Consumer Risks in Digital Social Payments to the Poor

Despite excitement around the promising potential benefits of digital social payments, a new CGAP brief reveals risks and challenges that need to be addressed if DSPs are to achieve their intended outcomes.

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