Contact us: digitalwages@ilo.org
Contact us: digitalwages@ilo.org
Using data from a Mexican FinTech firm, the authors study the usage by workers of earned wages access. They find usage to be significant and concentrated towards the end of the pay cycle. They document that such usage is associated…
The authors use data from a leading fintech firm in Korea, including transaction-level data on international remittance payments to developing Asia and referral data among users, to study the role of social networks in helping low-income workers optimize their use…
This report seeks to identify the barriers to expanding access to and usage of formal financial services in Jamaica, with a view to remedying them.
Using random forest estimation, the authors identify 14 key predictors out of 190 variables with the largest predictive power for micro, small, and medium-sized retailer (MSMR) adoption and usage of digital payments. Using conditional inference trees, they study the importance…
The framework promotes a shared understanding of the financial competences adults need to make sound decisions on personal finance. It supports public policies, financial literacy programmes and educational materials to be developed by EU Member States, educational institutions, industry and…
This study profiles promising initiatives that reduce, or have potential to reduce, the risks, burdens and costs for migrant workers of rectifying wage theft, or shift risks and burdens to business and government. The profiled initiatives can equip advocates with…
These Principles, developed by the United Nations-based Better Than Cash Alliance, define who needs to be responsible, what it means to be responsible and how to be responsible. They are not intended to provide a technical analysis of what each…
Markets for consumer financial services are growing rapidly in low- and middle-income countries and are being transformed by digital technologies and platforms. With growth and change come concerns about protecting consumers. The authors seek to bridge regulator and academic perspectives…
This document provides an overview of how countries have leveraged the spread of digital technologies and infrastructure to improve governance, including by digitizing identification systems, social safety net services such as unconditional cash payments, and government response during emergencies (including…
This document summarizes the relationship between access to digital financial services and women’s economic empowerment. Topics include the mechanisms through which that access can help expand the breadth of women’s support networks, expedite transfers during periods of need, empower women…