Contact us: digitalwages@ilo.org
Contact us: digitalwages@ilo.org
This report assesses the contribution of digital financial services to the economic empowerment and financial inclusion of women workers in the ready-made-garments sector of Bangladesh from May 2020 until December 2021.
Financial inclusion is a cornerstone of development, and since 2011, the Global Findex Database has been the definitive source of data on global access to financial services from payments to savings and borrowing. The 2021 edition, based on nationally representative…
To assess the market potential for digital wage payments in Cambodia’s garment sector (which employs approximately 80% female workers), the research team interviewed representatives of the three main stakeholder groups—factories, financial service providers, and workers — as well as other…
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…
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…
This report shares the impact of a wage digitization pilot initiative at Lotus Garments Group, a clothing manufacturer in Egypt. The initiative, the result of a partnership between Mastercard, Levi Strauss & Co and BSR’s HERproject, supported over 8,700 workers…
In partnership with Better Work, ILO, and the Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH, the Better than Cash Alliance (BTCA) documented the business case for responsible wage digitization in the Jordanian garment industry and how Jordan can build on the upward trend in digital…