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The impact of smartphones on financial inclusion
This slide deck discusses how mobile phones can contribute to financial inclusion.
Contact us: digitalwages@ilo.org
Contact us: digitalwages@ilo.org
This slide deck discusses how mobile phones can contribute to financial inclusion.
Having a bank account is widely regarded as the first step toward financial inclusion of the poor. Funds deposited in a bank account are also observed to lead to higher savings. Exploiting special features of the National Rural Employment Guarantee…
The period from the 1950s to the late 1970s saw an almost uniform decline of cash-to-GDP ratios in industrial countries. A closer look at the German payment system suggests that the factor causing such a change was a shift towards…
This paper reviews evidence on the benefits and challenges faced by governments migrating from cash to digital (electronic) government-to-person (G2P) payments. When supported by an appropriate consumer financial protection framework, digital payments enable confidential and convenient financial services, which can…
This manual presents the current state of mobile financial services for garment workers in Bangladesh and the challenges of adopting digitized payments. It covers subjects such as environmental contexts, tips for mitigating challenges, registering accounts and selecting service providers.
The 2016 High-Level Principles for Digital Financial Inclusion provide a basis for country action plans reflecting country context and national circumstances to leverage the potential offered by digital technologies.
This report analyses the shadow economy in eight Central and Southern European countries. It estimates the potential impact of various regulations that, by replacing cash with electronic payments, or by increasing the share of registered consumer cash transactions, may lead…
The Garment Worker Diaries, an initiative currently led by Microfinance Opportunities in collaboration with SANEM in Bangladesh, collects data on the work hours, income, expenses, and financial tool use of workers in the global apparel and textile supply chain in…
Various agents – rural patriarchs, traders, government authorities, appliance retailers – have used techniques to keep wages beyond migrants’ control. Paradoxically, similar techniques have, on occasion, been eagerly embraced by migrants themselves, who know that these resources will need to…
Individuals and businesses make numerous payments every day. They sometimes have choices about what forms of payment to make or accept, and at other times are effectively forced to use a particular form. Often there is an asymmetric power relationship…