Reports Archives - G2P Network /resources/reports/ Mon, 17 Oct 2022 16:42:06 +0000 en-US hourly 1 https://wordpress.org/?v=6.7 Agent Networks​ at the Last Mile​: Implications for Policy Makers /agent-networks-at-the-last-mile-implications-for-policy-makers/ Mon, 17 Oct 2022 16:42:06 +0000 /?p=1640 Rural agent networks are critical to “last mile” financial inclusion. This reading deck for policy makers does two things: (i) it shows how rural Cash-in/Cash-out (CICO) agent network expansion is key to ensuring poor people can capture the benefits of digital financial ecosystems; and (ii) it presents a set of policies that have been effective in enabling rural CICO in a way that benefits vulnerable segments, like rural women, and...

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]]> Rural agent networks are critical to “last mile” financial inclusion. This reading deck for policy makers does two things: (i) it shows how rural Cash-in/Cash-out (CICO) agent network expansion is key to ensuring poor people can capture the benefits of digital financial ecosystems; and (ii) it presents a set of policies that have been effective in enabling rural CICO in a way that benefits vulnerable segments, like rural women, and that reinforces the effectiveness of social programs targeting these segments.

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]]> The Role of Digital in the COVID-19 Social Assistance Response /the-role-of-digital-in-the-covid-19-social-assistance-response/ Mon, 17 Oct 2022 16:31:14 +0000 /?p=1638 The COVID-19 pandemic resulted in vast numbers of people in need of social assistance, many of whom were not previously covered by social safety nets. To meet this unprecedented level of need, governments quickly scaled social assistance reaching over 1.7 billion people in low- and middle income countries. Scaling up social assistance presented two separate but related challenges: first, adapting targeting and registration to reach individuals not commonly included in...

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]]> The COVID-19 pandemic resulted in vast numbers of people in need of social assistance, many of whom were not previously covered by social safety nets. To meet this unprecedented level of need, governments quickly scaled social assistance reaching over 1.7 billion people in low- and middle income countries. Scaling up social assistance presented two separate but related challenges: first, adapting targeting and registration to reach individuals not commonly included in social assistance databases, such as urban informal workers, and second, how to deliver government to person (G2P) payments safely and securely in the context of the pandemic. Countries that could leverage pre-pandemic investments in digital public infrastructure (DPI)— identification (ID), payments and trusted data sharing—were better able to implement COVID-response social assistance programs and reach more beneficiaries. This paper, analyzes the role of these DPIs, also called digital stack, in the social protection response to COVID by analyzing data on how COVID-response social assistance programs registered and made payments to beneficiaries across 178 programs and 85 countries. The analysis shows how these digital systems and infrastructure allowed for innovative targeting, registration, and payment approaches that covered a significant portion of the population. This paper uses administrative data on G2P registration and payment methods combined with anecdotal evidence from country case studies to show how pre-pandemic investments in digital databases, digital ID, and digital payments impacted countries’ abilities to reach new beneficiaries and deliver payments safely in the context of the pandemic response. It further details workaround solutions implemented by countries without these assets and infrastructure in place, and how some countries were able to expand their digital infrastructure even amidst the urgency of the crisis response. The analysis concludes with suggestions as to the impact that the social assistance response to COVID-19 can have on the future of social protection payments, in terms of inspiring investments in building and strengthening G2P ecosystems globally.

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]]> Africa’s Journey Towards an Integrated Digital Payments Landscape and How the EU Can Support It /africas-journey-towards-an-integrated-digital-payments-landscape-and-how-the-eu-can-support-it/ Mon, 15 Aug 2022 22:31:20 +0000 /?p=1632 This policy brief outlines why cross-border interoperability of payment platforms across Africa is important, where the opportunities and challenges lie, and how international partners such as the EU can support African efforts. It traces some of the solutions that are being applied both at the continental and at the regional levels, explores some of the lessons to be learned from these different cases, and proposes initial policy recommendations for the...

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]]> This policy brief outlines why cross-border interoperability of payment platforms across Africa is important, where the opportunities and challenges lie, and how international partners such as the EU can support African efforts. It traces some of the solutions that are being applied both at the continental and at the regional levels, explores some of the lessons to be learned from these different cases, and proposes initial policy recommendations for the EU on how it could support Africa as it works towards developing inclusive interoperable instant payments systems.

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]]> A Digital Stack for Transforming Service Delivery: ID, Payments, and Data Sharing /a-digital-stack-for-transforming-service-delivery-id-payments-and-data-sharing/ Tue, 19 Jul 2022 18:36:39 +0000 /?p=1629 Digital technologies are changing how the world interacts and transacts. From opening bank accounts to parents enrolling their children in school and social safety net programs verifying a new beneficiary, to businesses applying for licenses, day-to-day activities are becoming increasingly automated and integrated. Apart from reducing costs and spurring innovation, this creates opportunities to make better services available to more people, such as by removing the need to physically go...

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]]> Digital technologies are changing how the world interacts and transacts. From opening bank accounts to parents enrolling their children in school and social safety net programs verifying a new beneficiary, to businesses applying for licenses, day-to-day activities are becoming increasingly automated and integrated. Apart from reducing costs and spurring innovation, this creates opportunities to make better services available to more people, such as by removing the need to physically go to offices during business hours to complete a paper form or to distribute cash for payments. To enable this, countries are reforming institutions, regulations, and processes and building technology and infrastructure to facilitate trust between parties and to exchange information, payments, and other resources.

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]]> The Digitalisation of Social Protection Before and Since the Onset of Covid-19: Opportunities, Challenges and Lessons /the-digitalisation-of-social-protection-before-and-since-the-onset-of-covid-19-opportunities-challenges-and-lessons/ Tue, 19 Jul 2022 18:30:36 +0000 /?p=1625 This paper discusses the main opportunities and challenges associated with digital social protection, drawing on trends pre-Covid and since the onset of the pandemic. It offers eight lessons to help social protection actors capitalize on technology’s potential in a risk-sensitive manner.

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]]> This paper discusses the main opportunities and challenges associated with digital social protection, drawing on trends pre-Covid and since the onset of the pandemic. It offers eight lessons to help social protection actors capitalize on technology’s potential in a risk-sensitive manner.

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]]> Social protection response to COVID-19 in rural LAC: The potential of digitalisation to build back better /social-protection-response-to-covid-19-in-rural-lac-the-potential-of-digitalisation-to-build-back-better/ Fri, 27 May 2022 13:25:28 +0000 /?p=1621 This policy research brief analyses how digitalisation can facilitate rural populations’ access to effective and adequate social protection and economic inclusion in Latin America and the Caribbean. It investigates the region’s social protection response to COVID-19 and highlights three good practices in providing digitalised social protection to vulnerable rural populations during the crisis. Based on this analysis and considering the local obstacles to digitalised social protection in rural areas, recommendations...

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]]> This policy research brief analyses how digitalisation can facilitate rural populations’ access to effective and adequate social protection
and economic inclusion in Latin America and the Caribbean. It investigates the region’s social protection response to COVID-19 and
highlights three good practices in providing digitalised social protection to vulnerable rural populations during the crisis. Based on this
analysis and considering the local obstacles to digitalised social protection in rural areas, recommendations are provided to build rural
social protection back better after the pandemic.

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]]> Beneficiary Experience of Digital Government-to-Person (G2P) Payments in Bangladesh, Colombia, and the Philippines /beneficiary-experience-of-digital-government-to-person-g2p-payments-in-bangladesh-colombia-and-the-philippines/ Thu, 14 Apr 2022 19:52:34 +0000 /?p=1609 About 17 percent of the world’s population has received at least one COVID-19-related cash transfer payment since the onset of the pandemic. Many of these transfers have been conducted digitally to efficiently and safely provide economic relief to affected households. Amongst low- and middle-income countries (LMICs) that offered cash transfers, 58 disbursed funds directly to a fully functioning bank account, an account only for benefit withdrawal, or a digital non-bank...

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]]> About 17 percent of the world’s population has received at least one COVID-19-related cash transfer payment since the onset of the pandemic. Many of these transfers have been conducted digitally to efficiently and safely provide economic relief to affected households. Amongst low- and middle-income countries (LMICs) that offered cash transfers, 58 disbursed funds directly to a fully functioning bank account, an account only for benefit withdrawal, or a digital non-bank account. Innovations for Poverty Action (IPA) research from the Philippines, Colombia, and Bangladesh explores consumers’ experience with digital cash transfers, and supports policy recommendations to improve the effectiveness of G2P payments and future financial inclusion.

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]]> South Asia’s Digital Opportunity: Accelerating Growth, Transforming Lives /south-asias-digital-opportunity-accelerating-growth-transforming-lives/ Tue, 29 Mar 2022 21:58:04 +0000 /?p=1604 The report presents both the opportunities of and the bottlenecks for furthering the digitization of South Asia’s economies. It emphasizes the importance of integrating digital ID, payments, and data sharing systems into “digital stacks,” as well as fostering digital businesses and skills. Within this broader framework, the report discusses the experiences of regional governments with digital g2p payments.

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]]> The report presents both the opportunities of and the bottlenecks for furthering the digitization of South Asia’s economies. It emphasizes the importance of integrating digital ID, payments, and data sharing systems into “digital stacks,” as well as fostering digital businesses and skills. Within this broader framework, the report discusses the experiences of regional governments with digital g2p payments.

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]]> Toward More Accessible and Inclusive Social Assistance Delivery: A Geospatial Analysis in the Philippines /toward-more-accessible-and-inclusive-social-assistance-delivery-a-geospatial-analysis-in-the-philippines/ Tue, 29 Mar 2022 21:27:19 +0000 /?p=1602 The Philippines’ experience in implementing the Social Amelioration Program (SAP) in response to the COVID -19 pandemic highlights the pressing need for financial inclusion, especially among the poor. Not only ownership of bank or mobile money accounts but also accessibility to financial services is essential for financial inclusion. This study assesses the challenges and opportunities in financial inclusion, especially among the poor in remote communities. It finds, among other things,...

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]]> The Philippines’ experience in implementing the Social Amelioration Program (SAP) in response to the COVID -19 pandemic highlights the pressing need for financial inclusion, especially among the poor. Not only ownership of bank or mobile money accounts but also accessibility to financial services is essential for financial inclusion. This study assesses the challenges and opportunities in financial inclusion, especially among the poor in remote communities. It finds, among other things, that partnering with financial service providers (FSPs) other than banks can improve financial inclusion in remote areas.

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]]> Behavioral Science for Inclusive and Impactful Digital Payments /behavioral-science-for-inclusive-and-impactful-digital-payments/ Tue, 29 Mar 2022 21:24:07 +0000 /?p=1600 This brief guidance note primarily focuses on social assistance G2P payments and includes some selected tips for policymakers and practitioners to consider when designing and implementing digital social assistance programs that aim to increase financial inclusion and economic empowerment among marginalized groups. The tips are derived from previous work done by ideas42 and its partners on using insights from behavioral science to increase financial inclusion and optimize social assistance programs.

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]]> This brief guidance note primarily focuses on social assistance G2P payments and includes some selected tips for policymakers and practitioners to consider when designing and implementing digital social assistance programs that aim to increase financial inclusion and economic empowerment among marginalized groups. The tips are derived from previous work done by ideas42 and its partners on using insights from behavioral science to increase financial inclusion and optimize social assistance programs.

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