Contact us: digitalwages@ilo.org
Contact us: digitalwages@ilo.org
This blog post describes the evolution of digital wage payments in factories spread across Bangladesh’s five main industrial areas (Chittagong, Dhaka City, Gazipur, Narayanganj, and Savar). The findings are based on monthly phone interviews conducted between April and October 2020…
How do inexperienced consumers learn to use a new financial technology? This paper presents results from a field experiment that introduced payroll accounts in a population of largely unbanked factory workers in Bangladesh. In the experiment, workers in a treatment…
This post discusses the use of tech learning tools to support workers, especially women, transition to digital wages and help them to access, use, and ultimately benefit from their new payroll accounts.
This report develops a conceptual framework to explore the causal mechanisms linking women’s economic empowerment and digital financial services, reviews the empirical evidence for each of these mechanisms, identifies challenges observed in interpreting the evidence, and highlights a set of…
This report reviews existing evidence on the impact of digital financial services and associated policies on development outcomes, provides an overview of the Indonesian context, and identifies promising areas for future research and policy innovation.
The objective of this manual is to provide some effective recommendations to Ready-Made Garments (RMG) factories that are seeking to digitize their wage disbursement system, based on the experiences of Sarathi’s work with two partner commercial banks in digitizing the…
Why does the payday still exist? This article studies various explanations—economic, historical, behavioral, and legal. It concludes that the payday owes its existence to legacy legal architecture and suggests a path for legal reform.
This post announces the publication of the Digitizing for Inclusion: Insights from Wage Digitization in the Garment Sector report, highlighting key lessons learned.
This gamified tech learning tool developed with Mastercard Center for Inclusive Growth and QuizRR uses engaging films, quizzes, and animation to support workers to increase their financial health and benefit from digital wages. The learning tool includes 6 training modules,…
HERfinance Digital Wages Curriculum contains a collection of 90-minute training modules and materials on different financial topics designed for the factory setting to be used during the transition from cash to digital wages and to improve financial health.