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Knowledge platform
Our knowledge platform is a one-stop shop providing knowledge, evidence, technical and policy guidance tools, resources to guide actions for supporting transition from cash to responsible digital wage payments with a view to empowering workers and broadening their financial inclusion, enhancing sustainable business practices and improving on the respect for labour rights.
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Key resources
Brief: Promoting responsible digital wage payments
Research and Learning Agenda on Digital Wages for Decent Work
UN Principles for Responsible Digital PaymentsEvents
Indonesian small enterprises transition to responsible digital wage payments
ILO, NBC, ABC and TAFTAC engage financial service providers in the promotion of responsible digital wage payments in Cambodia
Peru’s micro and small enterprises strengthen their capacities to move towards digital wage payments
Empowering micro and small enterprises in the Philippines with responsible wage digitization
Sustaining the advancement of responsible digital wage payments with Philippine government agencies
ILO and Bandung regional government empower small businesses in the transition to digital wage payments
Promoting digital wage payments in the Cambodian garment sector
Scaling up digital wages: Empowering migrant workers and their families for inclusion and security
The ILO and the Cusco Regional Direction of Foreign Trade, Tourism and Handicrafts organize course on financial education for MSMEs in the tourism sector
The ILO and the Cusco Chamber of Commerce hold first validation and training of trainers workshop on responsible wage digitization for MSMEs
ILO, OJK and APINDO engage Indonesian financial and payroll service providers in the promotion of responsible digital wage payments
Bilateral and roundtable meetings held with social partners from the Philippines
The ILO and ECOP conduct validation and training of trainers workshop on responsible wage digitization for micro- and small enterprises in the Philippines
The ILO and ECOP hold series of webinars to raise awareness on digital wage payments
Peru’s agro-export sector promotes responsible digital wage payments
ILO and APINDO kick off training on responsible digital wage payments for SMEs in Indonesia
Promoting responsible digital wage payments – Recent trends and lessons learnt from research
Stakeholder meeting on responsible digital wage payments for SMEs in Indonesia
Workshop on digital wage payments in Cambodia’s garment industry
Ensuring a responsible transition towards digital wages in Cambodia
Digital wages for decent work in Mexico: Findings and opportunities
Digital wages for decent work in Peru
ILO promotes responsible digital wage payments in Indonesia
Promoting workers’ well-being and sustainable enterprises through digital wage payments: Experiences from the garment industry in Jordan and Egypt
Cheque in: Increasing access to the formal financial system
STI side event: Advancing decent work through digital wage payments
Wage digitization in Cambodia: Driving efficiency and financial inclusion in the garment sector
From cash to digital wage payments: A win-win for enterprises and women workers in the Philippines
Digital wage payments: Challenges and opportunities
Digital wage payments: How a worker-focused approach benefits both factories and workers
COVID-19: Impact and challenges of digital wage payment in the global garment industry
From cash to digital wage payments in Viet Nam: A win-win for enterprises and workersNews & Blogs
Building better financial futures for small enterprise workers in Central Java through financial education
Beyond cash: How digital wages boost productivity and empower workers’ lives in Cambodia’s factories
Wage digitization as an on-ramp to financial inclusion: The essential role of deepening account usage
Interview: “Digital payments are the future of payments for enterprises regardless of their size”
ILO and Apindo sign a partnership agreement to promote responsible digital wage payments in Indonesia
A responsible transition to digital wages: A timely step for Cambodia
Digital wages on the coast of Cambodia
How to scale up digital wages in line with the UN Principles for Responsible Digital Payments
The potential gains of digitizing garment sector wages in Cambodia
Paving the road to financial inclusion for rural workers in Nepal
Big potential for digitizing wage payments in Cambodia’s garment factories
The impacts of digital financial services on women’s economic empowerment
Supporting the people at the heart of our supply chain: New research shows digital wages and supervisor skills training combined supported COVID resilience in our partner factories
Wage Digitization Digest
How digital payment systems can boost Bangladesh’s push to meet the SDGs
Responsible digital wages in RMG sector of Bangladesh
A more inclusive economy can help bridge the gender finance gap
In China, wages paid in digital fiat may boost use cases
Reaching financial equality for women
Factory wage digitisation trend in RMG sector steps backward
Factory wage digitization trends
Utilizing technology to increase women’s financial capability and ensure gender-inclusive digital finance in the global supply chain
BGMEA’s response to Daily Star editorial and SANEM report
Financial hardship of RMG workers have increased
Scaling the impact of digital financial services: The opportunity and imperative during COVID-19
Wage digitization for RMG workers: Advancing financial inclusion in Bangladesh
Rapid wage digitization in Bangladesh: Implications for women in the era of COVID-19
Gender differences in the wage digitization experience
Education as the bridge from cash to digital wages: Lessons from garment workers in Bangladesh
Digital wages and what it means for women
Garment workers’ financial behaviors during the COVID-19 crisis: Lessons learned from factories in Bangladesh, Egypt, and India
How technology can take financial inclusion training further and deeper
5 essentials for bridging divides to guide a change process
Equal pay through digital payments in Jordan
ILO lauds Jordan for protecting private school teacher wages through digital payments
The digital payments opportunity: A conversation
Government mobile salary payments for teachers in AfghanistanPublications
Scaling up digital wages: Lessons and challenges from India’s enabling environment
Responsible Digital Finance Ecosystem (RDFE): A conceptual framework
Increasing financial inclusion in Egypt’s garment sector through responsible wage digitalization: Benefits for workers and business
Wage digitalization: A path to accelerating financial health for garment workers
Technological solutions to guaranteed wage payments of construction workers in China
Improving financial health in Cambodia’s garment sector through responsible wage digitalization: Benefits for women and business
Research brief: Digital wages for decent work in Kenya
Navigating wage digitization: A rapid qualitative review of garment workers’ experience in Cambodia
Digital wages for decent work in Indonesia – A rapid assessment
Digital wages for decent work in Peru – A rapid assessment
Igniting SDG Progress Through Digital Financial Inclusion
Impact of digital financial services on economic resilience and savings
The Global Findex Database 2021
Learning through social networks: How workers optimize the use of fintech for remittances
Wage digitization in Egypt’s garment sector: Impact for business, and for female and male workers at Lotus Garments Group
Promoting decent work by digitizing wages responsibly in Jordan
Advancing digital financial inclusion for garment workers in India: Impact for women and business
Within reach: How digital wages that work for women can support Bangladesh’s economic future
Consumer protection for financial inclusion in low- and middle-income countries: Bridging regulator and academic perspectives
Digitization for improved governance
On her own account: How strengthening women’s financial control impacts labor supply and gender norms
Women and money: Insights and a path to close the gender gap
Small goes digital: How digitalization can bring about productive growth for micro and small enterprises
Digitizing workers payments for economic recovery and decent work: Example of Senegal
The impact of mobile money on poverty
Fintech’s role in exacerbating or reducing the wealth gap
Report on IOE digital wage payments conference (virtual)
Learning to navigate a new financial technology: Evidence from payroll accounts
Evidence of digital financial services impacting women’s economic empowerment
Towards inclusive digital finance in Indonesia
Payday
Digitizing for inclusion: Insights from wage digitization in the garment sector
Falling through the net II: A survey of basic labour rights among migrants working in Thailand’s fishing sector
Digital financial services and the pandemic: Opportunities and risks for emerging and developing economies
Advancing women’s digital financial inclusion
Accelerating women’s financial inclusion in Bangladesh’s garment sector
Digital wages: Positive impact for women and business
Assessment of the Wage Protection System in Qatar
Financial behavior of female garment workers in India
Garment workers experience with wage digitization in Bangladesh
Cashless pay, deductions from wages, and the repeal of the Truck Acts in Great Britain, 1945-1986
MFS salary disbursement action plan
Digital Identification & Finance Initiative Africa: An overview of research opportunities
Leveraging digital financial solutions to promote formal business participation
Rapid assessment on electronic payment in Thai Fishing
How workers get paid is changing: Consumer protections need to catch up
Enhancing women’s economic empowerment through digital cash transfers: Analysis of the Digitize/Direct/Design criteria applied to the National Rural Employment Guarantee Scheme in Bihar, India
Minimum wages and wage protection in the Arab States: Ensuring a just system for national and migrant workers
Emerging trends in the use of technology as a driver of the transition to formality: Experiences from Asia and the Pacific
New technologies and the transition to formality: The trend towards e-formality
Making payroll cards work for employees
Financial needs of garment workers in India
Closing the gender gap: Opportunities for the women’s mobile financial services market in Bangladesh
The future of supply chains: Why companies are digitizing payments
Increasing factory worker well-being through digital payroll
Driving sales through digital working capital loans for small merchant
Increasing partner loyalty through digital payments
Increasing supply chain transparency through digital payments
Strengthening Mexico’s small merchants through digital payments
Improving profitability through digital payments
Moving to electronic payment in the Thai fishing industry
The impact of smartphones on financial inclusion
How much does having a bank account help the poor?
Wage digitization in readymade garment (RMG) sector in Bangladesh is crucial for women empowerment, social compliance and competitiveness
Digitizing wage payments in Bangladesh’s garment production sector
Reducing the shadow economy through electronic payments
Saving money, saving lives: Digital payments and the Ebola crisis in Sierra Leone
Mobile-izing savings with automatic contributions: Experimental evidence on dynamic inconsistency and the default effect in Afghanistan
Smartphones & mobile money: The next generation of digital financial inclusion
Length of the last mile: Delays and hurdles in NREGA wage paymentsMultimedia
Training on responsible wage digitization for small enterprises in the Philippines
How digital wages are changing Cambodian workers’ lives
Entrepreneurs move towards digital wage payments in Cusco, Peru
Digital wage payments: The key to formalization and financial inclusion in Trujillo, Peru
How do digital wage payments benefit small businesses? – Testimonial from a school president in the Philippines
How do digital wage payments benefit small businesses? – Testimonial from a restaurant manager in the Philippines
Interview with Maria May, Bill & Melinda Gates Foundation
How do digital wage payments benefit workers? – Testimonial from a female worker in the Philippines
How do digital wage payments benefit workers? – Testimonial from a worker in the Philippines
Interview with Daniel Kostzer, International Trade Union Confederation
Interview with Tidhar Wald, Better Than Cash Alliance
Introduction to responsible digital wage payments
Transformation of wage payments in Cusco – Testimonial of a woman worker
How to digitize wage payments responsibly – A guide for factories in Cambodia
Interview with a woman entrepreneur
Interview with Leora Klapper, World Bank
Joint actions towards responsible digital wage payments in Cambodia’s garment industry – Video
A story of a Cambodia’s garment factory switching to digital wage payments – Video
HERfinance audio files
HERfinance digital wages videos and animations
HERfinance Posters
HERfinance Digital Wages: Small investment, big impact
The electronic payroll system in Peru
HERfinance Digital Wages: Lucky’s story
Ship to Shore Rights South East Asia ATM CampaignTools
Educación financiera en el sector agroexportación peruano – Manual para participantes
RISE Financial Health Tech Learning Tools for Workers
RISE financial health posters – Safe use of financial accounts
Educación financiera para MIPYMES y trabajadores en Perú – Manual para participantes
Financial education for garment workers in Cambodia – Trainee’s booklet
Financial education for national and migrant workers – Trainee’s booklet
Financial competence framework for adults in the European Union
Garment sector wage digitization: Practical guides
Wage digitization manual for ready-made garment factories
HERfinance Digital Wages Tech Learning Tool for Workers
HERfinance Digital Wages Curriculum
Uncovering labour trafficking: Investigation tool for law enforcement and checklist for labour inspectors
RISE digital wages toolkit for factory managers
Guidance tool for construction companies in the Middle East
IOSCO-OECD Core Competencies Framework on financial education for investors
OECD/INFE Core Competencies Framework on financial literacy for MSMEs
Regulation of payroll card accounts: A guide for policymakers (with model payroll card legislation)
Digitizing worker salary payments: A manual for ready-made garment factories
G20/OECD INFE Core Competencies Framework on financial literacy for Adults (aged 18+)
G20 High-Level Principles for Digital Financial Inclusion
Garment Worker Diaries
OECD/INFE Core Competencies Framework on financial literacy for Youth (aged 15 to 18)
Guidance note 14-1: Innovations in payment systems for PEPs: Efficiency, accountability and financial inclusion